<SEC-DOCUMENT>0000876437-22-000038.txt : 20221102
<SEC-HEADER>0000876437-22-000038.hdr.sgml : 20221102
<ACCEPTANCE-DATETIME>20221102161603
ACCESSION NUMBER:		0000876437-22-000038
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20221102
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20221102
DATE AS OF CHANGE:		20221102

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MGIC INVESTMENT CORP
		CENTRAL INDEX KEY:			0000876437
		STANDARD INDUSTRIAL CLASSIFICATION:	SURETY INSURANCE [6351]
		IRS NUMBER:				391486475
		STATE OF INCORPORATION:			WI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10816
		FILM NUMBER:		221354299

	BUSINESS ADDRESS:	
		STREET 1:		250 EAST KILBOURN AVENUE
		CITY:			MILWAUKEE
		STATE:			WI
		ZIP:			53202
		BUSINESS PHONE:		4143476480

	MAIL ADDRESS:	
		STREET 1:		250 EAST KILBOURN AVENUE
		CITY:			MILWAUKEE
		STATE:			WI
		ZIP:			53202
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>mtg-20221102.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" ?><!--XBRL Document Created with Wdesk from Workiva--><!--Copyright 2022 Workiva--><!--r:83a71a4b-f01a-47c6-8a2e-262c4f64f90d,g:9367d906-bc91-4510-b335-46f31fa577ff,d:0a1c2e2716964118a7fe26a39b6fbe79--><html xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12" xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.w3.org/1999/xhtml" xml:lang="en-US"><head><meta http-equiv="Content-Type" content="text/html"/>


<title>mtg-20221102</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityCentralIndexKey" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV80L2ZyYWc6OTRhMzIzZWFkZWE5NDc5MWEyNDI2MjkwZmQ5ZGFhNzgvdGFibGU6MzMwOTg4MDlhMGJlNGM1YWJiNTc2YzQ4ODhlYzIxMWEvdGFibGVyYW5nZTozMzA5ODgwOWEwYmU0YzVhYmI1NzZjNDg4OGVjMjExYV8xLTEtMS0xLTEyMTg3MQ_7697d1a5-a320-41eb-912d-aa6f18f71aae">0000876437</ix:nonNumeric><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:AmendmentFlag" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV80L2ZyYWc6OTRhMzIzZWFkZWE5NDc5MWEyNDI2MjkwZmQ5ZGFhNzgvdGFibGU6MzMwOTg4MDlhMGJlNGM1YWJiNTc2YzQ4ODhlYzIxMWEvdGFibGVyYW5nZTozMzA5ODgwOWEwYmU0YzVhYmI1NzZjNDg4OGVjMjExYV8yLTEtMS0xLTEyMTg3MQ_f085031c-9640-4e3d-8238-7df9dda167b6">false</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="mtg-20221102.xsd"></link:schemaRef></ix:references><ix:resources><xbrli:context id="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000876437</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2022-11-02</xbrli:startDate><xbrli:endDate>2022-11-02</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="i0a1c2e2716964118a7fe26a39b6fbe79_1"></div><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="-sec-extract:summary;margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:12pt;font-weight:400;line-height:120%">UNITED STATES</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:12pt;font-weight:400;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">WASHINGTON, D.C. 20549</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:16pt;font-weight:400;line-height:120%">FORM <ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg0_6030fd13-ba2c-478a-b4c8-7ecb9b9dcb7c">8-K</ix:nonNumeric> </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:12pt;font-weight:400;line-height:120%">CURRENT REPORT</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pursuant to Section&#160;13 or 15(d) of the Securities Exchange Act of 1934</span></div><div style="margin-bottom:8pt;margin-top:13pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:42.449%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Date of Report (Date of Earliest Event Reported):</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#cfd8dc;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6NTI4MjY4NGZkZTMxNDI5ZWJkODk0OGQxZTExYzIzZmMvdGFibGVyYW5nZTo1MjgyNjg0ZmRlMzE0MjllYmQ4OTQ4ZDFlMTFjMjNmY18xLTItMS0xLTEyMTg3MQ_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">November 2, 2022</ix:nonNumeric></span></td></tr></table></div><div style="margin-bottom:8pt;margin-top:3pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:20pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityRegistrantName" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg1_dc58957f-83fe-4778-9e9c-34109a81c67a">MGIC Investment Corporation</ix:nonNumeric> </span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">__________________________________________</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Exact name of registrant as specified in its charter)</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:1.0%"></td><td style="width:38.049%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.479%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8wLTAtMS0xLTEyMTg3MQ_89a60536-c108-487f-938f-908c04cc1e74">Wisconsin</ix:nonNumeric></span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityFileNumber" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8wLTEtMS0xLTEyMTg3MQ_ee05d47b-1b70-4a20-b7ff-a85b64674477">1-10816</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityTaxIdentificationNumber" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8wLTMtMS0xLTEyMTg3MQ_54cdb027-769b-41d3-9d93-05d32377662a">39-1486475</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">__________________________________<br/>(State or other jurisdiction of incorporation)</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">_____________________<br/>(Commission File Number)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">____________________________<br/>(I.R.S. Employer Identification No.)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTAtMS0xLTEyMTg3MQ_dca75c74-5f9a-49be-b0c5-776f43ffe9ce">250 E. Kilbourn Avenue</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTEtMS0xLTEyMTg3MQ_37110169-139f-4dc7-997b-96e5312b1e85">Milwaukee,</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityAddressStateOrProvince" format="ixt-sec:stateprovnameen" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTItMS0xLTEyMTg3MQ_a65b99b5-71d0-4f1c-b992-2ab526683703">Wisconsin</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTMtMS0xLTEyMTg3MQ_b13ae910-e333-424e-abe8-ce5bc6fe2a08">53202</ix:nonNumeric></span></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">________________________________<br/>(Address of principal executive offices)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">___________<br/>(Zip Code)</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:42.449%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Registrant&#8217;s telephone number, including area code:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;<ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZGZjNjRkNmQ2MWMwNGU3ZmExYzZhMjgwODkwODJmZDcvdGFibGVyYW5nZTpkZmM2NGQ2ZDYxYzA0ZTdmYTFjNmEyODA4OTA4MmZkN18wLTEtMS0xLTEyMTg3MQ_1731ff1e-c091-46c3-b6af-7ce953b624fd">(414)</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZGZjNjRkNmQ2MWMwNGU3ZmExYzZhMjgwODkwODJmZDcvdGFibGVyYW5nZTpkZmM2NGQ2ZDYxYzA0ZTdmYTFjNmEyODA4OTA4MmZkN18wLTItMS0xLTEyMTg3MQ_bde042f1-19c2-4213-8b04-8c6ad99e66a1">347-6480</ix:nonNumeric></span></td></tr></table></div><div style="margin-top:8pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:21.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:54.390%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.156%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Not Applicable</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Former name or former address, if changed since last report</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Securities registered pursuant to Section 12(b) of the Act:</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:31.849%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.519%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.849%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.519%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.564%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Title of each class</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Trading Symbol</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MmRiMTg3OWIxZjliNDE4NGJmNjU5ZWIzMWEwMzBjYjgvdGFibGVyYW5nZToyZGIxODc5YjFmOWI0MTg0YmY2NTllYjMxYTAzMGNiOF8xLTAtMS0xLTEyMTg3MQ_f0810d79-2366-4a70-adec-47c8faec32ca">Common stock</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MmRiMTg3OWIxZjliNDE4NGJmNjU5ZWIzMWEwMzBjYjgvdGFibGVyYW5nZToyZGIxODc5YjFmOWI0MTg0YmY2NTllYjMxYTAzMGNiOF8xLTItMS0xLTEyMTg3MQ_88b5e41c-576e-4b29-bc5c-71b8a8336aa6">MTG</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MmRiMTg3OWIxZjliNDE4NGJmNjU5ZWIzMWEwMzBjYjgvdGFibGVyYW5nZToyZGIxODc5YjFmOWI0MTg0YmY2NTllYjMxYTAzMGNiOF8xLTQtMS0xLTEyMTg3MQ_947e62e3-8fdc-43e6-8bc0-1a290dc78be6">New York Stock Exchange</ix:nonNumeric></span></td></tr></table></div><div style="margin-bottom:8pt;margin-top:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</span></div><div style="margin-bottom:8pt;margin-top:8pt"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:WrittenCommunications" format="ixt-sec:boolballotbox" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg2_08fcbb45-9485-48ac-9cd9-dfd5b01dacb6">&#9744;</ix:nonNumeric></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></div><div style="margin-bottom:8pt;margin-top:8pt"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:SolicitingMaterial" format="ixt-sec:boolballotbox" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg3_e43325fd-1009-4967-98a1-858a572a2a79">&#9744;</ix:nonNumeric></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></div><div style="margin-bottom:8pt;margin-top:8pt"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:PreCommencementTenderOffer" format="ixt-sec:boolballotbox" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg4_6349d6f2-f87d-4a94-abf1-95e5d7dcb0c7">&#9744;</ix:nonNumeric></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></div><div style="margin-bottom:8pt;margin-top:8pt"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:PreCommencementIssuerTenderOffer" format="ixt-sec:boolballotbox" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg5_7b0750bf-fd55-4e06-8c62-1f82ae6c6f24">&#9744;</ix:nonNumeric></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></div><div style="margin-bottom:8pt;margin-top:13pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:32.163%"><tr><td style="width:1.0%"></td><td style="width:89.354%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.446%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Emerging growth company</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:11pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:EntityEmergingGrowthCompany" format="ixt-sec:boolballotbox" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZDY1OGUxNzI0YjkyNDNmZDk5Mjk2ZjI2Yjk5YmI3M2YvdGFibGVyYW5nZTpkNjU4ZTE3MjRiOTI0M2ZkOTkyOTZmMjZiOTliYjczZl8wLTEtMS0xLTEyMTg3MQ_a089fc6d-0085-4651-8490-c6bb3576a555">&#9744;</ix:nonNumeric></span></td></tr></table></div><div style="margin-bottom:8pt;margin-top:3pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  [&#160;&#160;]</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 2.02 Results of Operations and Financial Condition.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company issued a press release on <ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8xNTQy_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">November&#160;2, 2022</ix:nonNumeric> announcing its results of operations for the quarter ended September 30, 2022 and certain other information. The press release is furnished as Exhibit 99.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 9.01 Financial Statements and Exhibits.</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d) Exhibits</span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to General Instruction B.2 to Form 8-K, the Company's <ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8xODA2_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">November&#160;2, 2022</ix:nonNumeric> press release is furnished as Exhibit 99 and is not filed.</span></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Exhibit&#160;Index</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:10.466%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:73.718%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Exhibit No.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Description</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="a093022exhibit99q32022er.htm">99</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Press Release dated <ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZWVkMDE2MjE0NWFhNDA4MWI1MjcyYjFlMjYwMDk5OTkvdGFibGVyYW5nZTplZWQwMTYyMTQ1YWE0MDgxYjUyNzJiMWUyNjAwOTk5OV8zLTItMS0xLTEyMTg3MS90ZXh0cmVnaW9uOmEyYzViMmUxMzkyOTRhYTVhOGJiMjYwZTVlMGQ0M2FhXzI0_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">November&#160;2, 2022</ix:nonNumeric>. (Pursuant to General Instruction B.2 to Form 8-K, this press release is furnished and is not filed.)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:100%">104</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document). </span></td></tr></table></div><div style="margin-bottom:8pt;margin-top:3pt;text-align:center"><span><br/></span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span><br/></span></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:8pt;margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">SIGNATURES</span></div><div style="margin-bottom:8pt;margin-top:8pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:9.441%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:62.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Date:</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6NGEzMWYxYTgxNzkxNDczNmI4NTg0ZmQ5NGRkNjlkZGMvdGFibGVyYW5nZTo0YTMxZjFhODE3OTE0NzM2Yjg1ODRmZDk0ZGQ2OWRkY180LTEtMS0xLTEyMTg3MQ_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">November 2, 2022</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">By: \s\ Julie K. Sperber</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Julie K. Sperber</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vice President, Controller and Chief Accounting Officer</span></td></tr></table></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>a093022exhibit99q32022er.htm
<DESCRIPTION>EX-99
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2022 Workiva -->
<title>Document</title></head><body><div id="i676095cf16d249cbb236ee24ec6a2a55_1"></div><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Exhibit 99</font></div></div><div style="text-align:justify"><font><br></font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#828282;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investor Relations&#58; Dianna Higgins &#124; (414) 347-2635 &#124; dianna_higgins&#64;mgic.com</font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_4"></div><hr style="page-break-after:always"><div style="min-height:31.5pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:45pt"><td colspan="3" style="padding:0 1pt"><div><img alt="mgiclogoa09.jpg" src="mgiclogoa09.jpg" style="height:50px;margin-bottom:5pt;vertical-align:text-bottom;width:140px"></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:100%">MGIC Investment Corporation Reports Third Quarter 2022 Results</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Third Quarter 2022 Net Income of $249.6 million or $0.81 per Diluted Share</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Third  Quarter 2022 Adjusted Net Operating Income (Non-GAAP) of $264.2 million or $0.86 per Diluted Share</font></td></tr><tr><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td></tr></table></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">MILWAUKEE </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-style:italic;font-weight:700;line-height:120%">(November 2, 2022) -</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> MGIC Investment Corporation (NYSE&#58; MTG) today reported operating and financial results for the third quarter of 2022. Net income for the quarter was $249.6 million, or $0.81 per diluted share, compared with net income of $158.0 million, or $0.46 per diluted share, for the third quarter of 2021.  </font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Adjusted net operating income for the third quarter of 2022 was $264.2 million, or $0.86 per diluted share, compared with $157.1 million, or $0.46 per diluted share, for the third quarter of 2021. We present the non-GAAP financial measure &#34;Adjusted net operating income&#34; to increase the comparability between periods of our financial results. See &#8220;</font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"><a href="#i676095cf16d249cbb236ee24ec6a2a55_16" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:none">Use of Non-GAAP financial measures</a></font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#34; below.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:110%">Tim Mattke, CEO of MTG and Mortgage Guaranty Insurance Corporation (&#34;MGIC&#34;), stated &#34;I am pleased to report that we had another strong quarter, building upon the solid financial results we delivered in the first half of the year. During the quarter, we remained focused on executing our business strategies and again demonstrated the benefits of our capital position by growing insurance in force, increasing and paying a common stock dividend, decreasing our leverage ratio, repurchasing stock, and producing an annualized 21.8% return on equity. In addition, the credit quality and performance of our insurance in force portfolio remains strong.&#8221;</font></div><div><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:110%">&#8220;While the combination of rising interest rates, decelerating home prices, and other macroeconomic concerns have resulted in increased risks and uncertainties, our financial strength and capital flexibility position us to navigate the changing economic cycle.&#8221; concluded Mattke. </font><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:14pt;font-weight:400;line-height:110%"> </font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="height:27pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:31.5pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:18.812%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.958%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.812%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.958%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.960%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Third Quarter Summary</font></div></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">New insurance written was $19.6&#160;billion, compared with $24.3 billion in the second quarter of 2022 and $28.7&#160;billion in the third quarter of 2021, primarily reflecting a decrease in the origination markets in the current year compared with the same period in the prior year.</font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Persistency, or the percentage of insurance remaining in force from one year prior, was 75.7% at September 30, 2022, compared with 71.5% at June 30, 2022, and 59.5% at September&#160;30, 2021.</font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Insurance in force of $293.6&#160;billion at September 30, 2022 increased by 2.4% during the quarter and 9.4% compared with September&#160;30, 2021.</font></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Primary delinquency inventory of 25,878 loans at September 30, 2022 decreased from 26,855 loans at June 30, 2022, and 37,379 loans at September&#160;30, 2021. </font></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8211;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:11.77pt">The percentage of loans insured with primary insurance that were delinquent at September 30, 2022 was 2.17%, compared with 2.28% at June 30, 2022, and 3.20% at September&#160;30, 2021.  </font></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">The loss ratio for the third quarter of 2022 was (41.7)%, compared with (38.7)% for the second quarter of 2022 and 8.1% for the third quarter of 2021. </font></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">The underwriting expense ratio associated with our insurance operations for the third quarter of 2022 was 24.6%, compared with 22.4% for the second quarter of 2022 and 21.9% for the third quarter of 2021. </font></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Net premium yield was 34.7 basis points in the third quarter of 2022, compared with 36.2 basis points for the second quarter of 2022 and 38.4 basis points for the third quarter of 2021.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Book value per common share outstanding as of September 30, 2022, decreased to $15.16, or 0.1%, from $15.18 as of December 31, 2021 and increased by 2.4% from $14.81 as of September&#160;30, 2021. (September 30, 2022 book value per common share outstanding includes ($1.50) in net unrealized gains (losses) on securities, compared with $0.47 at December 31, 2021, and $0.59 at September 30, 2021).</font></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8211;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:11.77pt">The decrease in the fair value of our investment portfolio is primarily due to the increase in market interest rates. The decrease is reflected in Accumulated Other Comprehensive Income and resulted in a modest decrease in book value per share for the current period compared with December 31, 2021. The increase for the book value per share for the current period compared with the same period in the prior year is primarily due to the cumulative impact of share repurchases year-over-year.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">We paid a dividend of $0.10 per common share to shareholders during the third quarter of 2022.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">We repurchased 6.1 million shares of common stock at an average cost of $13.90 per share.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">We repurchased $14.0 million in aggregate principal amount of our 9% Convertible Junior Debentures due 2063, reducing potentially dilutive shares by 1.1 million.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">We redeemed $242.3 million of aggregate principal outstanding on our 2023 Senior Notes for $248.4 million, plus accrued interest.</font></div><div style="text-align:justify"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-bottom:6pt;text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">Fourth Quarter 2022 Activities </font></div><div style="text-align:center"><font><br></font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">In October, we repurchased an additional 2.6 million shares of our common stock at an average cost of $12.96 per share.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">We declared a dividend of $0.10 per common share to shareholders payable on November 23, 2022 to shareholders of record at the close of business on November 10, 2022.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">We have elected to terminate our 2015 QSR and 2019 QSR Transactions effective December 31, 2022.</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">MGIC paid a $400 million dividend to our holding company.</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="height:27pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:31.5pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">Revenues</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify;text-indent:13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Total revenues for the third quarter of 2022 were $292.8 million, compared with $295.7 million in the third quarter last year. The decrease primarily reflects a change in net gains (losses) on investments and other financial instruments and a decrease in net premiums earned, partially offset by an increase in investment income. Premiums earned in the third quarter of 2022 were $252.1 million compared with $254.8 million for the same period last year. Net premiums written for the quarter were $242.3 million, compared with $247.6 million for the same period last year. The decrease in net premiums written and earned in the current period compared with the same period the prior year was primarily due to an increase in ceded premiums and a decrease in our premium yield.</font></div><div><font><br></font></div><div style="text-align:center;text-indent:13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">Losses and expenses</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">Losses incurred</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> &#160;&#160;&#160;&#160;Net losses incurred in the third quarter of 2022 were $(105.1) million, compared with $20.8 million in the same period last year primarily due to favorable loss development and continuing decreases in delinquency inventory. While new delinquency notices added approximately $36 million to losses incurred in the third quarter of 2022, our re-estimation of loss reserves resulted in favorable development of approximately $141 million primarily related to a decrease in the estimated claim rate on delinquencies. In the third quarter of 2021, our re-estimation of reserves on previous delinquency notices resulted in $18 million of favorable loss development.</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">Underwriting and other expenses</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Net underwriting and other expenses were $61.7 million in the third quarter of 2022 compared with $57.2 million in the same period last year primarily due to an increase in expenses related to our investments in technology and data and analytics infrastructure. </font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">Interest expense</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> &#160;&#160;&#160;&#160;Interest expense decreased to $10.3&#160;million in the third quarter of 2022 from $18.0&#160;million in the same period last year. The decrease is due to the repurchase of a portion of our 9% Convertible Junior Debentures and repayment of our 2023 Senior Notes and our Federal Home Loan Bank Advance.</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">Loss on debt extinguishment</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">  &#160;&#160;&#160;&#160;The third quarter 2022 loss on debt extinguishment of $11.6&#160;million reflects the repurchase of our 2023 Senior Notes and the repurchase of $14.0 million in aggregate principal amount of our 9% Convertible Junior Debentures in excess of their carrying value.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">Capital</font></div><div style="text-align:center"><font><br></font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Total consolidated shareholders' equity was $4.5 billion as of September 30, 2022, and compared with $4.9 billion as of December 31, 2021 and September&#160;30, 2021. The decrease from December 31, 2021 and September 30, 2021 primarily reflects a decrease in the fair value of our investment portfolio and additional stock repurchases, offset by net income.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">MGIC's PMIERs Available Assets totaled $5.9 billion, or $2.6 billion above its Minimum Required Assets as of September 30, 2022, compared with PMIERs Available Assets of $5.7 billion, or $2.2 billion above its Minimum Required Assets as of December 31, 2021, and PMIERS Available Assets of $5.8 billion, or $2.6 billion above its Minimum Required Assets as of September&#160;30, 2021.</font></div><div style="padding-left:9pt;padding-right:9pt;text-align:center"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">Other Balance Sheet and Liquidity Metrics</font></div><div style="text-align:center"><font><br></font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Total consolidated assets were $6.2 billion as of September 30, 2022, compared with $7.3 billion as of December 31, 2021, and $7.5 billion as of September&#160;30, 2021. The decrease from December 31, 2021, and September 30, 2021 primarily reflects a decrease in the fair value of our consolidated investment portfolio due to the increase in market interest rates.</font></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">The fair value of our consolidated investment portfolio, cash and cash equivalents was $5.7 billion as of September 30, 2022, compared with $6.9 billion as of December 31, 2021, and $7.1 billion as of September&#160;30, 2021.</font></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">The fair value of investments, cash and cash equivalents at the holding company was $352 million as of September 30, 2022, compared with $663 million as of December 31, 2021, and $716 million as of September&#160;30, 2021.</font></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;padding-left:14.8pt">Consolidated debt was $663 million as of September 30, 2022, compared with $1.1 billion as of December 31, 2021, and $1.2 billion as of September&#160;30, 2021.</font></div><div style="height:27pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_7"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Conference Call and Webcast Details</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">MGIC Investment Corporation will hold a conference call November&#160;3, 2022, at 10 a.m. ET to allow securities analysts and shareholders the opportunity to hear management discuss the company&#8217;s quarterly results. Individuals interested in joining by telephone should register for the call at </font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">https&#58;&#47;&#47;edge.media-server.com&#47;mmc&#47;p&#47;9sqqqpf3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> to receive the dial-in number and unique PIN to access the call. It is recommended that you join the call at least 10 minutes before the conference call begins. The call is also being webcast and can be accessed at the company's website at </font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">http&#58;&#47;&#47;mtg.mgic.com</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#47; under &#34;Newsroom.&#34;</font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">A replay of the webcast will be available on the company&#8217;s website through December&#160;5, 2022.</font></div><div id="i676095cf16d249cbb236ee24ec6a2a55_10"></div><div style="margin-bottom:6pt;margin-top:9pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:12pt;font-weight:700;line-height:120%">About MGIC</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Mortgage Guaranty Insurance Corporation (</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">MGIC) (</font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">www.mgic.com</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">), the principal subsidiary of MGIC Investment Corporation, serves lenders throughout the United States, Puerto Rico, and other locations helping families achieve homeownership sooner by making affordable low-down-payment mortgages a reality through the use of private mortgage insurance. At September 30, 2022, MGIC had $293.6&#160;billion of primary insurance in force covering more than 1.1 million mortgages.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;This press release, which includes certain additional statistical and other information, including non-GAAP financial information and a supplement that contains various portfolio statistics, are all available on the Company's website at </font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">https&#58;&#47;&#47;mtg.mgic.com&#47;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> under &#8220;Newsroom.&#8221;</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;From time to time MGIC Investment Corporation releases important information via postings on its corporate website, and via postings on MGIC&#8217;s website for information related to underwriting and pricing, and intends to continue to do so in the future. Such postings include corrections of previous disclosures and may be made without any other disclosure. Investors and other interested parties are encouraged to enroll to receive automatic email alerts and Really Simple Syndication (RSS) feeds regarding new postings. Enrollment information for MGIC Investment Corporation alerts can be found at </font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">https&#58;&#47;&#47;mtg.mgic.com&#47;shareholder-services&#47;email-alerts</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">. For information about our underwriting and rates, see </font><font style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%;text-decoration:underline">https&#58;&#47;&#47;www.mgic.com&#47;underwriting</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">.</font></div><div id="i676095cf16d249cbb236ee24ec6a2a55_13"></div><div style="margin-bottom:6pt;margin-top:9pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:12pt;font-weight:700;line-height:120%;text-decoration:underline">Safe Harbor Statement</font></div><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Forward Looking Statements and Risk Factors&#58; </font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">Our actual results could be affected by the risk factors below. These risk factors should be reviewed in connection with this press release and our periodic reports to the Securities and Exchange Commission (&#8220;SEC&#8221;). These risk factors may also cause actual results to differ materially from the results contemplated by forward looking statements that we may make. Forward looking statements consist of statements which relate to matters other than historical fact, including matters that inherently refer to future events. Among others, statements that include words such as &#8220;believe,&#8221; &#8220;anticipate,&#8221; &#8220;will&#8221; or &#8220;expect,&#8221; or words of similar import, are forward looking statements. We are not undertaking any obligation to update any forward looking statements or other statements we may make even though these statements may be affected by events or circumstances occurring after the forward looking statements or other statements were made. No investor should rely on the fact that such statements are current at any time other than the time at which this press release was delivered for dissemination to the public.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;While we communicate with security analysts from time to time, it is against our policy to disclose to them any material non-public information or other confidential information. Accordingly, investors should not assume that we agree with any statement or report issued by any analyst irrespective of the content of the statement or report, and such reports are not our responsibility.</font></div><div style="text-align:justify"><font><br></font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_16"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:6pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Use of Non-GAAP financial measures</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">We believe that use of the Non-GAAP measures of adjusted pre-tax operating income (loss), adjusted net operating income (loss) and adjusted net operating income (loss) per diluted share facilitate the evaluation of the company's core financial performance thereby providing relevant information to investors. These measures are not recognized in accordance with accounting principles generally accepted in the United States of America (GAAP) and should not be viewed as alternatives to GAAP measures of performance.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;Adjusted pre-tax operating income (loss) </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">is defined as GAAP income (loss) before tax, excluding the effects of net realized investment gains (losses), gain and losses on debt extinguishment and infrequent or unusual non-operating items where applicable.</font></div><div style="text-align:justify;text-indent:18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;Adjusted net operating income (loss)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> is defined as GAAP net income (loss) excluding the after-tax effects of net realized investment gains (losses), gain and losses on debt extinguishment and infrequent or unusual non-operating items where applicable. The amounts of adjustments to components of pre-tax operating income (loss) are tax effected using a federal statutory tax rate of 21%.</font></div><div style="text-align:justify;text-indent:18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;Adjusted net operating income (loss) per diluted share</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> is calculated in a manner consistent with the accounting standard regarding earnings per share by dividing (i) adjusted net operating income (loss) after making adjustments for interest expense on convertible debt, whenever the impact is dilutive, by (ii) diluted weighted average common shares outstanding, which reflects share dilution from unvested restricted stock units and from convertible debt when dilutive under the &#34;if-converted&#34; method. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Although adjusted pre-tax operating income (loss) and adjusted net operating income (loss) exclude certain items that have occurred in the past and are expected to occur in the future, the excluded items represent items that are&#58; (1) not viewed as part of the operating performance of our primary activities&#59; or (2) impacted by both discretionary and other economic or regulatory factors and are not necessarily indicative of operating trends, or both. These adjustments, along with the reasons for their treatment, are described below. Trends in the profitability of our fundamental operating activities can be more clearly identified without the fluctuations of these adjustments. Other companies may calculate these measures differently. Therefore, their measures may not be comparable to those used by us. </font></div><div style="padding-left:18pt;text-align:justify"><font><br></font></div><div style="padding-left:27pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-style:italic;font-weight:400;line-height:120%;padding-left:6.13pt">Net realized investment gains (losses). </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">The recognition of net realized investment gains or losses can vary significantly across periods as the timing of individual securities sales is highly discretionary and is influenced by such factors as market opportunities, our tax and capital profile, and overall market cycles.</font></div><div style="margin-top:9pt;padding-left:27pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-style:italic;font-weight:400;line-height:120%;padding-left:6.13pt">Gains and losses on debt extinguishment.</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> Gains and losses on debt extinguishment result from discretionary activities that are undertaken to enhance our capital position, improve our debt profile, and&#47;or reduce potential dilution from our outstanding convertible debt.  </font></div><div style="margin-top:9pt;padding-left:27pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-style:italic;font-weight:400;line-height:120%;padding-left:6.13pt">Infrequent or unusual non-operating items</font><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">Items that are non-recurring in nature and are not part of our primary operating activities.</font></div><div style="margin-top:9pt;text-align:justify"><font><br></font></div><div style="height:27pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_19"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:justify"><font><br></font></div><div id="i676095cf16d249cbb236ee24ec6a2a55_22"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:48.607%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.841%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.841%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.285%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.841%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.115%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.841%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.729%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended<br>September  30,</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September  30,</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands, except per share data)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net premiums written</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">242,307</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247,610&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">729,293</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">730,846&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Revenues</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net premiums earned</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">252,111</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254,844&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">763,048</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">761,428&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment income</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">42,549</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,282&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">121,116</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117,304&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gains (losses) on investments and other financial instruments</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(3,258)</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">612&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:6pt;font-weight:400;line-height:100%">(1)</font></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(8,776)</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,773&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:6pt;font-weight:400;line-height:100%">(1)</font></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other revenue</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,397</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,008&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:6pt;font-weight:400;line-height:100%">(1)</font></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,143</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,050&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:6pt;font-weight:400;line-height:100%">(1)</font></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total revenues</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">292,799</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">295,746&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">880,531</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">891,555&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Losses and expenses</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses incurred, net</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(105,054)</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,766&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(223,426)</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,566&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Underwriting and other expenses, net</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">61,654</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,237&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">175,557</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,779&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loss on debt extinguishment</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">11,632</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40,130</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,300</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,011&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">38,673</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,993&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total losses and expenses</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(21,468)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,014&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30,934</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">308,338&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before tax</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">314,267</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,732&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">849,597</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583,217&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for income taxes</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">64,642</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,755&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">175,691</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,168&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,625</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,977&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">673,906</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,049&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income per diluted share</font></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.81</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.46&#160;</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.15</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.33&#160;</font></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="30" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1) Certain amounts have been reclassified to conform with the current year presentation</font></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="text-align:justify"><font><br></font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_25"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.174%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.180%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.180%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.180%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.186%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">EARNINGS PER SHARE (UNAUDITED)</font></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands, except per share data)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,625</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,977&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">673,906</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,049&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense, net of tax&#58;</font></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Convertible Junior Subordinated Debentures due 2063</font></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">620</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,712&#160;</font></td><td style="background-color:#ffffff;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,851</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,135&#160;</font></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted net income available to common shareholders</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">250,245</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161,689&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">676,757</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472,184&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average shares - basic</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">302,622</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,938&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">309,097</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">338,045&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of dilutive securities&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested restricted stock units</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,902</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,834&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,848</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,651&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Convertible Junior Subordinated Debentures due 2063</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,670</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,785&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,084</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,785&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average shares - diluted</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">307,194</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353,557&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">315,029</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355,481&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income per diluted share</font></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.81</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.46&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.15</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.33&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><font><br></font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_28"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">NON-GAAP RECONCILIATIONS</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:33.239%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.805%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.805%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.805%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.805%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.805%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.533%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reconciliation of Income before tax &#47; Net income to Adjusted pre-tax operating income &#47; Adjusted net operating income</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands, except per share amounts)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre-tax</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax Effect</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net<br>(after-tax)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre-tax</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax Effect</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(after-tax)</font></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before tax &#47; Net income</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">314,267</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">64,642</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,625</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,732&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,755&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,977&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustments&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loss on debt extinguishment</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">11,632</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,443</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">9,189</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</font></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net realized investment losses (gains)</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,854</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,439</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,415</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,115)</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(234)</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(881)</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjusted pre-tax operating income &#47; Adjusted net operating income</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">332,753</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">68,524</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">264,229</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198,617&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,521&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,096&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="39" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reconciliation of Net income per diluted share to Adjusted net operating income per diluted share</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average shares - diluted</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">307,194</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353,557&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income per diluted share</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.81</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.46&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loss on debt extinguishment</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.03</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net realized investment losses (gains)</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.02</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjusted net operating income per diluted share</font></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.86</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.46&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="39" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="39" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reconciliation of Income before tax &#47; Net income to Adjusted pre-tax operating income &#47; Adjusted net operating income</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands, except per share amounts)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre-tax</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax Effect</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net<br>(after-tax)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre-tax</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax Effect</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net<br>(after-tax)</font></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before tax &#47; Net income</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">849,597</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">175,691</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">673,906</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583,217&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,168&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,049&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustments&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loss on debt extinguishment</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40,130</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8,427</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">31,703</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net realized investment losses (gains)</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,435</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,561</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,874</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,665)</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,190)</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,475)</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjusted pre-tax operating income &#47; Adjusted net operating income</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">897,162</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">185,679</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">711,483</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">577,552&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120,978&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">456,574&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="39" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reconciliation of Net income per diluted share to Adjusted net operating income per diluted share</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average shares - diluted</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">315,029</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355,481&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income per diluted share</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.15</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.33&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loss on debt extinguishment</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.10</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net realized investment losses (gains)</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.02</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.01)</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjusted net operating income per diluted share</font></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.26</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.32&#160;</font></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="39" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1) Does not foot due to rounding</font></td></tr><tr><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_31"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:1.0%"></td><td style="width:57.551%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.706%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.776%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.706%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.776%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.706%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.779%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED)</font></div><div><font><br></font></div></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">September 30,</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands, except per share data)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">ASSETS</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investments </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,415,717</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,606,749&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,916,195&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">241,982</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284,690&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176,426&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash and cash equivalents</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,776</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,268&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,486&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reinsurance recoverable on loss reserves </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</font></div></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">46,384</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,905&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,029&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home office and equipment, net</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">44,206</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,614&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,303&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred insurance policy acquisition costs</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">19,975</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,671&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,284&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">378,076</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279,111&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234,586&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,154,116</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,325,008&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,511,309&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">LIABILITIES AND SHAREHOLDERS' EQUITY</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loss reserves </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</font></div></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">603,370</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">883,522&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">932,909&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unearned premiums</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">207,935</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241,690&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,517&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal home loan bank advance</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,000&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,000&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Senior notes</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">641,357</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">881,508&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">880,976&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Convertible junior debentures</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21,296</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,204&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,814&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">140,097</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191,702&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,673&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,614,055</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,463,626&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,633,889&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Shareholders' equity</font></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,540,061</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,861,382&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,877,420&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities and shareholders' equity</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,154,116</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,325,008&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,511,309&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Book value per share </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</font></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15.16</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.18&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.81&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Investments include net unrealized gains (losses) on securities</font></div></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(569,478)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,153&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247,799&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Loss reserves, net of reinsurance recoverable on loss reserves</font></div></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">556,986</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">816,617&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">825,880&#160;</font></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Shares outstanding</font></div></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">299,478</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320,336&#160;</font></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">329,335&#160;</font></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="text-align:justify"><font><br></font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_34"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.722%"><tr><td style="width:1.0%"></td><td style="width:32.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.395%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.395%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.395%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.395%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.395%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:1.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.395%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.406%"></td><td style="width:0.1%"></td></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></div></td></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ADDITIONAL INFORMATION - NEW INSURANCE WRITTEN</font></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year-to-date</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Q3</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q2</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q4</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q3</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New primary insurance written (NIW) (billions)</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">19.6</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24.3&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.6&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.1&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.7&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">63.5</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93.1&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Monthly (including split premium plans) and annual premium plans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">19.0</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">60.7</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Single premium plans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.6</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Product mix as a % of primary NIW</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO &#60; 680</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#62;95% LTVs </font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">11</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#62;45% DTI </font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">24</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Singles</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Refinances</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New primary risk written (billions)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$5.2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$6.5</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$5.2</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$7.2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$7.4</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$16.9</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$23.1</font></td></tr></table></div><div><font><br></font></div><div><font><br></font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="height:18pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.316%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:1.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.014%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></div></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ADDITIONAL INFORMATION - INSURANCE IN FORCE and RISK IN FORCE</font></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Q3</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q2</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q4</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q3</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary Insurance In Force (IIF) (billions)</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">293.6</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">286.8&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">277.3&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">274.4&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268.4&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total # of loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,184,365</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,173,001&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,158,521&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,164,984&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,161,907&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flow # of loans</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,157,032</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,144,971&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,129,509&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134,414&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,130,056&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premium Yield</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">In force portfolio yield </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">39.0</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premium refunds </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.4)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accelerated earnings on single premium</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.5</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total direct premium yield</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">39.8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40.7&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41.5&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42.9&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43.3&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded premiums earned, net of profit commission and assumed premiums </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5.1)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.5)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.6)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5.6)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.9)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net premium yield</font></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">34.7</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36.2&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36.9&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.3&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38.4&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average Loan Size of IIF (thousands)</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">247.9</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">244.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">239.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flow only</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">250.5</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">242.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annual Persistency</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">75.7</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary Risk In Force (RIF) (billions)</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">75.7</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">By FICO (%) </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:6pt;font-weight:400;line-height:100%">(4)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 760 &#38; &#62;</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">42</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 740-759</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">18</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 720-739</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 700-719</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">11</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 680-699</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 660-679</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 640-659</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FICO 639 &#38; &#60;</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average Coverage Ratio (RIF&#47;IIF) </font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25.8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Direct Pool RIF (millions)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">With aggregate loss limits</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">197</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Without aggregate loss limits</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">84</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) Total direct premiums earned, excluding accelerated premiums from premium refunds and single premium policy cancellations divided by average primary insurance in force. </font></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2) Premium refunds and our estimate of refundable premium on our delinquency inventory divided by average primary insurance in force.</font></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3) Ceded premiums earned, net of profit commissions and assumed premiums. Assumed premiums include our participation in GSE Credit Risk Transfer programs, of which the impact on the net premium yield was 0.3 bps at September 30, 2022 and 0.4 bps in 2021. </font></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4) The FICO credit score at the time of origination for a loan with multiple borrowers is the lowest of the borrowers&#8217; &#8220;decision FICO scores.&#8221; A borrower&#8217;s &#8220;decision FICO score&#8221; is determined as follows&#58; if there are three FICO scores available, the middle FICO score is used&#59; if two FICO scores are available, the lower of the two is used&#59; if only one FICO score is available, it is used. We are aware of an issue of inaccurate reporting of FICO credit scores by a third-party occurring in late Q1 2022 and into the beginning of Q2 2022 and do not expect it to have a material impact on our business.</font></div><div style="height:18pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:28.596%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.181%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.734%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.352%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.740%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="39" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></div></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="39" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ADDITIONAL INFORMATION - DELINQUENCY STATISTICS</font></div></td><td colspan="3" style="display:none"></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Q3</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q2</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q4</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary IIF - Delinquent Roll Forward - # of Loans</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Beginning Delinquent Inventory</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">26,855</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,462&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,290&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,999&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New Notices</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,990</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,396&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,703&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,523&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,862&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cures</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11,494)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,677)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,200)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,995)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,813)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Paid claims</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(337)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(319)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(322)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(267)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(298)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rescissions and denials</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other items removed from inventory </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(125)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(335)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending Delinquent Inventory </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25,878</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,855&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,462&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,290&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary IIF Delinquency Rate</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.17</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.28&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.61&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.84&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.20&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary claim received inventory included in ending delinquent inventory</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">244</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">217&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary IIF - # of Delinquent Loans - Flow only</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">22,010</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,961&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,295&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,108&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,271&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary IIF Delinquency Rate - Flow only</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1.89</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.99&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.31&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.55&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.93&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Composition of Cures</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reported delinquent and cured intraquarter</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,035</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,442&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,147&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,766&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,727&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of payments delinquent prior to cure</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 payments or less</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,964</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,390&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,187&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,939&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,346&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4-11 payments</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,486</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,809&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,608&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,977&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,075&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 payments or more</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,009</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,036&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,258&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,313&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,665&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Cures in Quarter</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">11,494</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,677&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,200&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,995&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,813&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Composition of Paids</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of payments delinquent at time of claim payment</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 payments or less</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4-11 payments</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 payments or more</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">329</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">313&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">258&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">286&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Paids in Quarter</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">337</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">322&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">267&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">298&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Aging of Primary Delinquent Inventory</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consecutive months delinquent</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;3 months or less</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,825</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,791&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,382&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,586&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,948&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;4-11 months</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,619</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,946&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,131&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,990&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,371&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;12 months or more</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,434</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,118&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,949&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,714&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,060&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of payments delinquent</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;3 payments or less</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,137</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,198&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,586&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,529&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,911&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;4-11 payments</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,831</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,138&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,803&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,208&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,165&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;12 payments or more</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,910</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,519&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,073&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,553&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44%</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,303&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font><br></font></div><div style="margin-bottom:3pt;padding-left:13.5pt;text-indent:-13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)  Items removed from inventory are associated with commutations of coverage on non-performing policies.</font></div><div style="margin-bottom:6pt;padding-left:13.5pt;text-indent:-13.5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)  As of September 30, 2022, 22% of the loans in our delinquency inventory were reported to us as subject to forbearance plan, down from a high of 67% at June 30, 2020. We believe substantially all represent forbearances related to COVID-19.</font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font><br></font></div><div style="height:18pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.722%"><tr><td style="width:1.0%"></td><td style="width:24.666%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.167%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.496%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ADDITIONAL INFORMATION - RESERVES and CLAIMS PAID</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year-to-date</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Q3</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q2</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q4</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reserves (millions)</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary Direct Loss Reserves</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">599</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">722&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">845&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">877&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">926&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pool Direct loss reserves</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Gross Reserves</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Gross Loss Reserves</font></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">603</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">727&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">851&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">884&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">933&#160;</font></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary Average Direct Reserve  Per Delinquency</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">23,128</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,890&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,538&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,156&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,597&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Paid Claims (millions) </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">11</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">36</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total primary (excluding settlements)</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">26</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rescission and NPL settlements </font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pool</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reinsurance</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(1)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reinsurance Terminations </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary Average Claim Payment (thousands) </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</font></div></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">23.5</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">26.1</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flow only </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</font></div></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21.7</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21.9</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">  (1)  Net paid claims, as presented, does not include amounts received in conjunction with terminations or commutations of reinsurance agreements.</font></div><div style="margin-top:3pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">  (2)  Excludes amounts paid in settlement disputes for claims paying practices and&#47;or commutations of policies.</font></div><div style="padding-left:18pt;text-indent:-18pt"><font><br></font></div><div style="padding-left:18pt;text-indent:-18pt"><font><br></font></div><div style="height:18pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.444%"><tr><td style="width:1.0%"></td><td style="width:32.279%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.743%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.743%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.883%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.743%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.743%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:2.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.892%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ADDITIONAL INFORMATION - REINSURANCE</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year-to-date</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Q3</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q2</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q4</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q3</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quota Share Reinsurance</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">% NIW subject to reinsurance</font></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">88.0</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">87.8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded premiums written and earned (millions) </font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">19.3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">56.7</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded losses incurred (millions)</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(7.4)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10.4)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.8)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.6)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(19.8)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceding commissions (millions) (included in underwriting and other expenses) </font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13.3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">38.3</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Profit commission (millions) (included in ceded premiums) </font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">47.2</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">135.0</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess-of-Loss Reinsurance</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded premiums earned (millions) </font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">19.8</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">50.9</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)  Includes $5 million termination fees paid to terminate our 2017 and 2018 QSR Transactions.</font></div><div style="height:18pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:35.049%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.102%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.102%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.825%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:2.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.102%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.102%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:2.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.830%"></td><td style="width:0.1%"></td></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MGIC INVESTMENT CORPORATION AND SUBSIDIARIES</font></td></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ADDITIONAL INFORMATION&#58; BULK STATISTICS AND MI RATIOS</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year-to-date</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Q3</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q2</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q4</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Q3</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bulk Primary Insurance Statistics</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Insurance in force (billions)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$3.8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$3.8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$4.0</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$4.2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$4.4</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk in force (billions)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$1.1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$1.1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$1.1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$1.2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$1.2</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loan size (thousands)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$138.0</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$136.3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$137.4</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$138.4</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$139.5</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of delinquent loans</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,868</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,894</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,167</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,182</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,108</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Delinquency rate</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">14.15%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.89%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.36%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.68%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.90%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary paid claims (excluding settlements) (millions)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$4</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$3</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$9</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$8</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average claim payment (thousands)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$29.9</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$47.3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$39.5</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$44.1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$60.2</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$39.1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$46.6</font></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Guaranty Insurance Corporation - Risk to Capital</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">9.4&#58;1</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.7&#58;1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.2&#58;1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.5&#58;1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0&#58;1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Combined Insurance Companies - Risk to Capital</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">9.4&#58;1</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.7&#58;1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.2&#58;1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.5&#58;1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0&#58;1</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GAAP loss ratio (insurance operations only)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(41.7)%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38.7)%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.6)%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9.9)%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.1%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(29.3)%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GAAP underwriting expense ratio (insurance operations only)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">24.6%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.4%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.0%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.2%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.9%</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">23.3%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.3%</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-top:6pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)  Preliminary</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="height:18pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><div id="i676095cf16d249cbb236ee24ec6a2a55_37"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%;text-decoration:underline">Risk Factors</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As used below, &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer to MGIC Investment Corporation&#8217;s consolidated operations or to MGIC Investment Corporation, as the context requires&#59; and &#8220;MGIC&#8221; refers to Mortgage Guaranty Insurance Corporation.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Risk Factors Relating to Global Events</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The COVID-19 pandemic may materially impact our future financial results, business, liquidity and&#47;or financial condition. </font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The COVID-19 pandemic materially impacted our 2020 financial results. While the initial impact of COVID-19 on our business has moderated, the extent to which COVID-19 may materially impact our future financial results, business, liquidity and&#47;or financial condition is uncertain and cannot be predicted.&#160;The magnitude of any future impact could be influenced by various factors, including the length and severity of the pandemic in the United States, efforts to reduce the transmission of COVID-19, the level of unemployment, government initiatives and actions taken by Fannie Mae and Freddie Mac (the &#34;GSEs&#34;) (including mortgage forbearance and modification programs), and the overall effects of  COVID-19 on the economy.</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The COVID-19 pandemic may impact our business in various ways, including the following which are described in more detail in the remainder of these risk factors&#58;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">Our incurred losses will increase if loan delinquencies increase. We establish reserves for insurance losses when delinquency notices are received on loans that are two or more payments past due and for loans we estimate are delinquent prior to the close of the accounting period but for which delinquency notices have not yet been received (which are included in &#8220;IBNR&#8221;). In addition, our estimates of the number of delinquencies for which we will ultimately receive claims, and the amount, or severity, of each claim, may increase.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:15.02pt">We may be required to maintain more capital under the private mortgage insurer eligibility requirements (&#34;PMIERs&#34;) of the GSEs, which generally require more capital to be held for delinquent loans than for performing loans and require more capital to be held as the number of payments missed on delinquent loans increases. </font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">If the number of delinquencies increases, the number of claims we must pay over time will generally increase.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">Our access to the reinsurance and capital markets may be limited and the terms under which we are able to access such markets may be negatively impacted. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The Russia-Ukraine war and&#47;or other global events may adversely affect the U.S. economy and our business.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Russia's invasion of Ukraine has increased the already-elevated inflation rate, added more pressure to strained supply chains, and has increased volatility in the domestic and global financial markets. The war has impacted, and may impact, our business in various ways, including the following which are described in more detail in the remainder of these risk factors&#58;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The terms under which we are able to obtain excess-of-loss (&#34;XOL&#34;) reinsurance through the insurance-linked notes (&#34;ILN&#34;) market have been negatively impacted and terms under which we are able to access that market in the future may be less attractive.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The risk of a cybersecurity incident that affects our company may have increased.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">An extended or broadened war may negatively impact the domestic economy, which may increase unemployment and inflation, or decrease home prices, in each case leading to an increase in loan delinquencies.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The volatility in the financial markets may impact the performance of our investment portfolio and our investment portfolio may include investments in companies or securities that are negatively impacted by the war.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Risk Factors Relating to the Mortgage Insurance Industry and its Regulation</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Downturns in the domestic economy or declines in home prices may result in more homeowners defaulting and our losses increasing, with a corresponding decrease in our returns.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Losses result from events that reduce a borrower&#8217;s ability or willingness to make mortgage payments, such as unemployment, health issues, changes in family status, and decreases in home prices that result in the borrower's mortgage balance exceeding the net value of the home. A deterioration in economic conditions, including an increase in unemployment, generally increases the likelihood that borrowers will not have sufficient income to pay their mortgages and can also adversely affect home prices. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">High levels of unemployment may result in an increasing number of loan delinquencies and an increasing number of insurance claims&#59; however, unemployment is difficult to predict given the uncertainty in the current market </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">environment, including as a result of global events such as the COVID-19 pandemic, the Russia-Ukraine war, and the possibility of an economic recession. Since the beginning of 2021, inflation has increased dramatically. The impact that higher inflation rates will have on loan delinquencies is unknown. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The seasonally-adjusted Purchase-Only U.S. Home Price Index of the Federal Housing Finance Agency (the &#8220;FHFA&#8221;), which is based on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac, indicates that home prices fell nationwide in August 2022, down 0.7% from the previous month. The 12 month change in home prices remains at historically high rates, but the rate of growth is moderating&#58; it increased by 6.6% in the first eight months of 2022, after increasing 8.0% during the first five months of 2022, and 17.9%, 11.7%, and 5.9% in 2021, 2020 and 2019, respectively. The national average price-to-income ratio exceeds its historical average, in part as a result of recent home price appreciation outpacing increases in income. Affordability issues and the significant increase in interest rates in recent months has put downward pressure on home prices. Recent third-party forecasts predict that home prices will decline further. This decline may occur even absent a deterioration in economic conditions due to declines in demand for homes, which in turn may result from changes in buyers&#8217; perceptions of the potential for future appreciation, restrictions on and the cost of mortgage credit due to more stringent underwriting standards, higher interest rates, changes to the tax deductibility of mortgage interest, decreases in the rate of household formations, or other factors.  </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The future impact of COVID-19-related forbearance and foreclosure mitigation activities is unknown.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Forbearance for federally-insured mortgages (including those delivered to or purchased by the GSEs) whose borrowers were affected by COVID-19 allows mortgage payments to be suspended for a period generally ranging from 6 to 18 months. Historically, forbearance plans have reduced the incidence of our losses on affected loans. However, given the uncertainty surrounding the long-term economic impact of COVID-19, it is difficult to predict the ultimate effect of COVID-19 related forbearances on our loss incidence. Whether a loan delinquency will cure, including through modification, when forbearance ends will depend on the economic circumstances of the borrower at that time. The severity of losses associated with delinquencies that do not cure will depend on economic conditions at that time, including home prices.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Foreclosures on mortgages purchased or securitized by the GSEs were suspended through July 31, 2021. Under a CFPB rule that was effective through December 31, 2021, with limited exceptions, servicers were required to ensure that at least one temporary procedural safeguard had been met before referring 120-day delinquent loans for foreclosure. Given the expiration of the CFPB rule, it is likely that foreclosures and claims will increase. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">We may not continue to meet the GSEs&#8217; private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We must comply with a GSE's PMIERs to be eligible to insure loans delivered to or purchased by that GSE. The PMIERs include financial requirements, as well as business, quality control and certain transaction approval requirements. The financial requirements of the PMIERs require a mortgage insurer&#8217;s &#8220;Available Assets&#8221; (generally only the most liquid assets of an insurer) to equal or exceed its &#8220;Minimum Required Assets&#8221; (which are generally based on an insurer&#8217;s book of risk in force and calculated from tables of factors with several risk dimensions, reduced for credit given for risk ceded under reinsurance agreements). </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Based on our interpretation of the PMIERs, as of September 30, 2022, MGIC&#8217;s Available Assets totaled $5.9 billion, or $2.6 billion in excess of its Minimum Required Assets. MGIC is in compliance with the PMIERs and eligible to insure loans purchased by the GSEs. Our &#34;Minimum Required Assets&#34; reflect a credit for risk ceded under our quota share reinsurance (&#34;QSR&#34;) and XOL reinsurance transactions, which are discussed in our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#34;The mix of business we write affects our Minimum Required Assets under the PMIERs, our premium yields and the likelihood of losses occurring.&#34;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> The calculated credit for XOL reinsurance transactions under PMIERs is generally based on the PMIERs requirement of the covered loans and the attachment and detachment points of the coverage, all of which fluctuate over time. PMIERs credit is generally not given for the reinsured risk above the PMIERs requirement. The GSEs have discretion to further limit reinsurance credit under the PMIERs. Refer to &#8220;Consolidated Results of Operations &#8211; Reinsurance Transactions&#8221; in Part I, Item 2 of our Quarterly Report on Form 10-Q for information about the calculated PMIERs credit for our XOL transactions. There is a risk we will not receive our current level of credit in future periods for ceded risk. In addition, we may not receive the same level of credit under future reinsurance transactions that we receive under existing transactions. If MGIC is not allowed certain levels of credit under the PMIERs, under certain circumstances, MGIC may terminate the reinsurance transactions without penalty.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The PMIERs generally require us to hold significantly more Minimum Required Assets for delinquent loans than for performing loans and the Minimum Required Assets required to be held increases as the number of payments missed on a delinquent loan increases. If the number of loan delinquencies increases for reasons discussed in these risk factors, or otherwise, it may cause our Minimum Required Assets to exceed our Available Assets. We are unable to predict the ultimate number of loans that will become delinquent. </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If our Available Assets fall below our Minimum Required Assets, we would not be in compliance with the PMIERs. The PMIERs provide a list of remediation actions for a mortgage insurer's non-compliance, with additional actions possible in the GSEs' discretion. At the extreme, the GSEs may suspend or terminate our eligibility to insure loans purchased by them. Such suspension or termination would significantly reduce the volume of our new insurance written (&#34;NIW&#34;), the substantial majority of which is for loans delivered to or purchased by the GSEs. In addition to the increase in Minimum Required Assets associated with delinquent loans, factors that may negatively impact MGIC&#8217;s ability to continue to comply with the financial requirements of the PMIERs include the following&#58;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The GSEs may make the PMIERs more onerous in the future. The PMIERs provide that the factors that determine Minimum Required Assets will be updated periodically, or as needed if there is a significant change in macroeconomic conditions or loan performance. We do not anticipate that the regular periodic updates will occur more frequently than once every two years. The PMIERs state that the GSEs will provide notice 180 days prior to the effective date of updates to the factors&#59; however, the GSEs may amend the PMIERs at any time, including by imposing restrictions specific to our company. </font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The PMIERs may be changed in response to the final regulatory capital framework for the GSEs that was published in February 2022.  </font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">Our future operating results may be negatively impacted by the matters discussed in the rest of these risk factors. Such matters could decrease our revenues, increase our losses or require the use of assets, thereby creating a shortfall in Available Assets.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Should capital be needed by MGIC in the future, capital contributions from our holding company may not be available due to competing demands on holding company resources, including for repayment of debt.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Because we establish loss reserves only upon a loan delinquency rather than based on estimates of our ultimate losses on risk in force, losses may have a disproportionate adverse effect on our earnings in certain periods.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with accounting principles generally accepted in the United States, we establish case reserves for insurance losses and loss adjustment expenses only when delinquency notices are received for insured loans that are two or more payments past due and for loans we estimate are delinquent but for which delinquency notices have not yet been received (which we include in &#8220;IBNR&#8221;). Losses that may occur from loans that are not delinquent are not reflected in our financial statements, except when a &#34;premium deficiency&#34; is recorded. A premium deficiency would be recorded if the present value of expected future losses and expenses exceeds the present value of expected future premiums and already established loss reserves on the applicable loans. As a result, future losses incurred on loans that are not currently delinquent may have a material impact on future results as delinquencies emerge. As of September 30, 2022, we had established case reserves and reported losses incurred for 25,878 loans in our delinquency inventory and our IBNR reserve totaled $21 million. The number of loans in our delinquency inventory may increase from that level as a result of economic conditions relating to current global events or other factors and our losses incurred may increase. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Because loss reserve estimates are subject to uncertainties, paid claims may be substantially different than our loss reserves.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When we establish case reserves, we estimate our ultimate loss on delinquent loans by estimating the number of such loans that will result in a claim payment (the &#34;claim rate&#34;), and further estimating the amount of the claim payment (the &#34;claim severity&#34;). Changes to our claim rate and claim severity estimates could have a material impact on our future results, even in a stable economic environment. Our estimates incorporate anticipated cures, loss mitigation activity, rescissions and curtailments. The establishment of loss reserves is subject to inherent uncertainty and requires significant judgment by management. Our actual claim payments may differ substantially from our loss reserve estimates. Our estimates could be affected by several factors, including a change in regional or national economic conditions as discussed in these risk factors, the impact of government and GSE actions taken to mitigate the economic harm caused by the COVID-19 pandemic (including foreclosure moratoriums and mortgage forbearance and modification programs)&#59; efforts to reduce the transmission of COVID-19&#59; and a change in the length of time loans are delinquent before claims are received. All else being equal, the longer a loan is delinquent before a claim is received, the greater the severity. As a result of foreclosure moratoriums and forbearance programs, the average time it takes to receive claims has increased. Economic conditions may differ from region to region. Information about the geographic dispersion of our risk in force and delinquency inventory can be found in our Annual Reports on Form 10-K and our Quarterly Reports on Form 10-Q. Prior to the COVID-19 pandemic, losses incurred generally followed a seasonal trend in which the second half of the year has weaker credit performance than the first half, with higher new default notice activity and a lower cure rate.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Alternatives to private mortgage insurance include&#58;</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">investors using risk mitigation and credit risk transfer techniques other than private mortgage insurance, or accepting credit risk without credit enhancement, </font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">lenders and other investors holding mortgages in portfolio and self-insuring, </font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">lenders using Federal Housing Administration (&#34;FHA&#34;), U.S. Department of Veterans Affairs (&#34;VA&#34;) and other government mortgage insurance programs, and</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">lenders originating mortgages using piggyback structures to avoid private mortgage insurance, such as a first mortgage with an 80% loan-to-value (&#34;LTV&#34;) ratio and a second mortgage with a 10%, 15% or 20% LTV ratio rather than a first mortgage with a 90%, 95% or 100% LTV ratio that has private mortgage insurance.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The GSEs&#8217; charters generally require credit enhancement for a low down payment mortgage loan (a loan in an amount that exceeds 80% of a home&#8217;s value) in order for such loan to be eligible for purchase by the GSEs. Private mortgage insurance generally has been purchased by lenders in primary mortgage market transactions to satisfy this credit enhancement requirement. In 2018, the GSEs initiated secondary mortgage market programs with loan level mortgage default coverage provided by various (re)insurers that are not mortgage insurers governed by PMIERs, and that are not selected by the lenders. These programs, which currently account for a small percentage of the low down payment market, compete with traditional private mortgage insurance and, due to differences in policy terms, they may offer premium rates that are below prevalent single premium lender-paid mortgage insurance (&#34;LPMI&#34;) rates. We participate in these programs from time to time. See our risk factor titled &#8220;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Changes in the business practices of the GSEs, federal legislation that changes their charters or a restructuring of the GSEs could reduce our revenues or increase our losses&#8221;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> for a discussion of various business practices of the GSEs that may be changed, including through expansion or modification of these programs. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The GSEs (and other investors) have also used other forms of credit enhancement that did not involve traditional private mortgage insurance, such as engaging in credit-linked note transactions executed in the capital markets, or using other forms of debt issuances or securitizations that transfer credit risk directly to other investors, including competitors and an affiliate of MGIC&#59; using other risk mitigation techniques in conjunction with reduced levels of private mortgage insurance coverage&#59; or accepting credit risk without credit enhancement. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The FHA's share of the low down payment residential mortgages that were subject to FHA, VA, USDA or primary private mortgage insurance was 25.1% in the first half of 2022, 24.7% in 2021, and 23.4% in 2020. Beginning in 2012, the FHA&#8217;s share has been as low as 23.4% (in 2020) and as high as 42.1% (in 2012). Factors that influence the FHA&#8217;s market share include relative rates and fees, underwriting guidelines and loan limits of the FHA, VA, private mortgage insurers and the GSEs&#59; lenders' perceptions of legal risks under FHA versus GSE programs&#59; flexibility for the FHA to establish new products as a result of federal legislation and programs&#59; returns expected to be obtained by lenders for Ginnie Mae securitization of FHA-insured loans compared to those obtained from selling loans to the GSEs for securitization&#59; and differences in policy terms, such as the ability of a borrower to cancel insurance coverage under certain circumstances. The focus of the Presidential Administration on equitable housing finance and sustainable housing opportunities increases the likelihood of a reduction in the FHA&#8217;s mortgage insurance premium rates. Such a rate reduction would negatively impact our NIW&#59; however, given the many factors that influence the FHA's market share, it is difficult to predict the impact. In addition, we cannot predict how the factors that affect the FHA&#8217;s share of new insurance written will change in the future.</font><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The VA's share of the low down payment residential mortgages that were subject to FHA, VA, USDA or primary private mortgage insurance was 26.0% in the first half of 2022, 30.2% in 2021, and 30.9% in 2020. Beginning in 2012, the VA&#8217;s share has been as low as 22.8% (in 2013) and as high as 30.9% (in 2020). We believe that the VA&#8217;s market share has generally been elevated in recent years because of an increase in the number of borrowers that are eligible for the VA&#8217;s program, which offers 100% LTV ratio loans and charges a one-time funding fee that can be included in the loan amount, and because eligible borrowers have opted to use the VA program when refinancing their mortgages.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Changes in the business practices of the GSEs, federal legislation that changes their charters or a restructuring of the GSEs could reduce our revenues or increase our losses.</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The substantial majority of our NIW is for loans purchased by the GSEs&#59; therefore, the business practices of the GSEs greatly impact our business. In June 2022 the GSEs each published their Equitable Housing Finance Plans.  The Plans seek to advance equity in housing finance over a three year period and include potential changes to the GSEs&#8217; business practices and policies.  Specifically relating to mortgage insurance, (1) Fannie Mae&#8217;s Plan contemplates the creation of special purchase credit program(s) (&#34;SPCPs&#34;) targeted to historically underserved borrowers with a goal of lowering costs for such borrowers through lower than standard mortgage insurance requirements&#59; and (2) Freddie Mac&#8217;s Plan contemplates the creation of SPCPs targeted to historically underserved borrowers with the goals of (a) working with mortgage insurers to reduce costs for high LTV borrowers, and (b) updating mortgage insurance cancellation requirements. To the extent the business practices and policies of the GSEs regarding mortgage insurance coverage, costs and cancellation change, including more broadly than through SPCPs, such changes may negatively impact the mortgage insurance industry.    </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other business practices of the GSEs that affect the mortgage insurance industry include&#58;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The GSEs' PMIERs, the financial requirements of which are discussed in our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8220;We may not continue to meet the GSEs&#8217; private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility.&#8221;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The capital and collateral requirements for participants in the GSEs' alternative forms of credit enhancement discussed in our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#34;The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance.&#34;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The level of private mortgage insurance coverage, subject to the limitations of the GSEs&#8217; charters, when private mortgage insurance is used as the required credit enhancement on low down payment mortgages (the GSEs generally require a level of mortgage insurance coverage that is higher than the level of coverage required by their charters&#59; any change in the required level of coverage will impact our new risk written).</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The amount of loan level price adjustments and guaranty fees (which result in higher costs to borrowers) that the GSEs assess on loans that require private mortgage insurance. The requirements of the new GSE capital framework may lead the GSEs to increase their guaranty fees. In addition, the FHFA has indicated that it is reviewing the GSEs' pricing in connection with preparing them to exit conservatorship and to ensure that pricing subsidies benefit only affordable housing activities.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">Whether the GSEs select or influence the mortgage lender&#8217;s selection of the mortgage insurer providing coverage.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The underwriting standards that determine which loans are eligible for purchase by the GSEs, which can affect the quality of the risk insured by the mortgage insurer and the availability of mortgage loans.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.82pt">The terms on which mortgage insurance coverage can be canceled before reaching the cancellation thresholds established by law and the business practices associated with such cancellations. For more information, see the above discussion of the GSEs' Equitable Housing Plans and our risk factor titled &#8220;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Changes in interest rates, house prices or mortgage insurance cancellation requirements may change the length of time that our policies remain in force</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.&#8221;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The programs established by the GSEs intended to avoid or mitigate loss on insured mortgages and the circumstances in which mortgage servicers must implement such programs.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The terms that the GSEs require to be included in mortgage insurance policies for loans that they purchase, including limitations on the rescission rights of mortgage insurers.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The extent to which the GSEs intervene in mortgage insurers&#8217; claims paying practices, rescission practices or rescission settlement practices with lenders.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The maximum loan limits of the GSEs compared to those of the FHA and other investors.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The benchmarks established by the FHFA for loans to be purchased by the GSEs, which can affect the loans available to be insured. In December 2021, the FHFA established the benchmark levels for 2022-2024 purchases of low-income home mortgages, very low-income home mortgages and low-income refinance mortgages, each of which exceeded the 2021 benchmarks. The FHFA also established two new sub-goals&#58; one targeting minority communities and the other targeting low-income neighborhoods.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The FHFA has been the conservator of the GSEs since 2008 and has the authority to control and direct their operations. The increased role that the federal government has assumed in the residential housing finance system through the GSE conservatorships may increase the likelihood that the business practices of the GSEs change, including through administrative action, in ways that have a material adverse effect on us and that the charters of the GSEs are changed by new federal legislation.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">It is uncertain what role the GSEs, FHA and private capital, including private mortgage insurance, will play in the residential housing finance system in the future. The timing and impact on our business of any resulting changes are uncertain. Many of the proposed changes would require Congressional action to implement and it is difficult to estimate when Congressional action would be final and how long any associated phase-in period may last.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Reinsurance may not always be available or its cost may increase.</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We have in place QSR and XOL reinsurance transactions providing various amounts of coverage on 94% of our risk in force as of September 30, 2022.  Refer to Part 1, Note 4 &#8211; &#8220;Reinsurance&#8221; and Part 1, Item 2 &#8220;Consolidated Results of Operations &#8211; Reinsurance Transactions&#8221; of our Quarterly Report on Form 10-Q, for more information about coverage </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">under our reinsurance transactions. The reinsurance transactions reduce the tail-risk associated with stress scenarios. As a result, they reduce the capital that we are required to hold to support the risk and they allow us to earn higher returns on our business than we would without them. However, reinsurance may not always be available to us or available on similar terms, the reinsurance transactions subject us to counterparty credit risk, and the GSEs may change the credit they allow under the PMIERs for risk ceded under our reinsurance transactions.  Most of our XOL transactions were entered into in capital market transactions with special purpose insurers that issued notes linked to the reinsurance coverage (&#34;Insurance Linked Notes&#34; or &#34;ILNs&#34;). Our access to reinsurance may be disrupted and the terms under which we are able to obtain reinsurance may be less attractive than in the past due to volatility stemming from circumstances such as higher interest rates, increased inflation, global events such as the Russia-Ukraine war, and other factors. In 2022, execution of transactions for  XOL reinsurance through the ILN market has been more challenging, with increased pricing, transactions being down-sized, and generally fewer transactions being executed by mortgage insurers. If we are unable to obtain reinsurance for our insurance written, the capital required to support our insurance written will not be reduced as discussed above and our returns may decrease absent an increase in our premium rates. An increase in our premium rates may lead to a decrease in our NIW.</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">We are subject to comprehensive regulation and other requirements, which we may fail to satisfy.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We are subject to comprehensive regulation, including by state insurance departments. Many regulations are designed for the protection of our insured policyholders and consumers, rather than for the benefit of investors. Mortgage insurers, including MGIC, have in the past been involved in litigation and regulatory actions related to alleged violations of the anti-referral fee provisions of the Real Estate Settlement Procedures Act (&#34;RESPA&#34;), and the notice provisions of the Fair Credit Reporting Act (&#34;FCRA&#34;). While these proceedings in the aggregate did not result in material liability for MGIC, there can be no assurance that the outcome of future proceedings, if any, under these laws or others would not have a material adverse effect on us. To the extent that we are construed to make independent credit decisions in connection with our contract underwriting activities, we also could be subject to increased regulatory requirements under the Equal Credit Opportunity Act (&#34;ECOA&#34;), FCRA, and other laws. Under relevant laws, examination may also be made of whether a mortgage insurer's underwriting decisions have a disparate impact on persons belonging to a protected class in violation of the law.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Although their scope varies, state insurance laws generally grant broad supervisory powers to agencies or officials to examine insurance companies and enforce rules or exercise discretion affecting almost every significant aspect of the insurance business, including payment for the referral of insurance business, premium rates and discrimination in pricing, and minimum capital requirements. The increased use, by the private mortgage insurance industry, of risk-based pricing systems that establish premium rates based on more attributes than previously considered, and of algorithms, artificial intelligence and data and analytics, has led</font><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">to additional regulatory scrutiny of premium rates and of other matters such as discrimination in pricing and underwriting, data privacy and access to insurance. For more information about state capital requirements, see our risk factor titled &#8220;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">State capital requirements may prevent us from continuing to write new insurance on an uninterrupted basis</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.&#8221; For information about regulation of data privacy, see our risk factor titled &#8220;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">We could be adversely affected if personal information on consumers that we maintain is improperly disclosed&#59; our information technology systems are damaged or their operations are interrupted&#59; or our automated processes do not operate as expected</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.&#8221; For more details about the various ways in which our subsidiaries are regulated, see &#8220;Business - Regulation&#8221; in Item 1 of our Annual Report on Form 10-K for the year ended December 31, 2021. </font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">While we have established policies and procedures to comply with applicable laws and regulations, many such laws and regulations are complex and it is not possible to predict the eventual scope, duration or outcome of any reviews or investigations nor is it possible to predict their effect on us or the mortgage insurance industry. </font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">If the volume of low down payment home mortgage originations declines, the amount of insurance that we write could decline.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The factors that may affect the volume of low down payment mortgage originations include the health of the U.S. economy, conditions in regional and local economies and the level of consumer confidence&#59; restrictions on mortgage credit due to more stringent underwriting standards, liquidity issues or risk-retention and&#47;or capital requirements affecting lenders&#59; the level of home mortgage interest rates&#59; housing affordability&#59; new and existing housing availability&#59; the rate of household formation, which is influenced, in part, by population and immigration trends&#59; homeownership rates&#59; the rate of home price appreciation, which in times of heavy refinancing can affect whether refinanced loans have LTV ratios that require private mortgage insurance&#59; and government housing policy encouraging loans to first-time homebuyers. A decline in the volume of low down payment home mortgage originations could decrease demand for mortgage insurance and limit our NIW. For other factors that could decrease the demand for mortgage insurance, see our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8220;The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance.&#8221;</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">State capital requirements may prevent us from continuing to write new insurance on an uninterrupted basis.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The insurance laws of 16 jurisdictions, including Wisconsin, MGIC's domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to its risk in force (or a similar measure) in order for the mortgage insurer to continue to write new business. We refer to these requirements as the &#8220;State Capital Requirements.&#8221; While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1. A risk-to-capital ratio will increase if (i)&#160;the percentage decrease in capital exceeds the percentage decrease in insured risk, or (ii) the percentage increase in capital is less than the percentage increase in insured risk. Wisconsin does not regulate capital by using a risk-to-capital measure but instead requires a minimum policyholder position (&#8220;MPP&#8221;). MGIC's &#8220;policyholder position&#8221; includes its net worth or surplus, and its contingency reserve.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At September 30, 2022 MGIC&#8217;s risk-to-capital ratio was 9.4 to 1, below the maximum allowed by the jurisdictions with State Capital Requirements, and its policyholder position was $3.7 billion above the required MPP of $2.0 billion. Our risk-to-capital ratio and MPP reflect full credit for the risk ceded under our quota share reinsurance and excess of loss transactions in the ILN market and traditional reinsurance market with unaffiliated reinsurers</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">.</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> It is possible that under the revised State Capital Requirements discussed below, MGIC will not be allowed full credit for the risk ceded under such transactions. If MGIC is not allowed an agreed level of credit under the State Capital Requirements, MGIC may terminate the reinsurance transactions, without penalty. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The NAIC previously announced plans to revise the State Capital Requirements that are provided for in its Mortgage Guaranty Insurance Model Act. In December 2019, a working group of state regulators released an exposure draft of a revised Mortgage Guaranty Insurance Model Act and a risk-based capital framework to establish capital requirements for mortgage insurers, although certain items were not completely addressed by the framework, including the treatment of ceded risk and minimum capital floors.  In October 2022, the NAIC working group released a revised exposure draft of the Mortgage Guaranty Insurance Model Act that does not include changes to the capital requirements of the existing Model Act.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">While MGIC currently meets the State Capital Requirements of Wisconsin and all other jurisdictions, it could be prevented from writing new business in the future in all jurisdictions if it fails to meet the State Capital Requirements of Wisconsin, or it could be prevented from writing new business in a particular jurisdiction if it fails to meet the State Capital Requirements of that jurisdiction, and in each case if MGIC does not obtain a waiver of such requirements. It is possible that regulatory action by one or more jurisdictions, including those that do not have specific State Capital Requirements, may prevent MGIC from continuing to write new insurance in such jurisdictions. If we are unable to write business in a particular jurisdiction, lenders may be unwilling to procure insurance from us anywhere. In addition, a lender&#8217;s assessment of the future ability of our insurance operations to meet the State Capital Requirements or the PMIERs may affect its willingness to procure insurance from us. In this regard, see our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and&#47;or increase our losses.&#8221;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> A possible future failure by MGIC to meet the State Capital Requirements or the PMIERs will not necessarily mean that MGIC lacks sufficient resources to pay claims on its insurance liabilities. You should read the rest of these risk factors for information about matters that could negatively affect MGIC&#8217;s compliance with State Capital Requirements and its claims paying resources.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">We are susceptible to disruptions in the servicing of mortgage loans that we insure and we rely on third-party reporting for information regarding the mortgage loans we insure.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We depend on reliable, consistent third-party servicing of the loans that we insure. An increase in delinquent loans may result in liquidity issues for servicers. When a mortgage loan that is collateral for a mortgage backed security (&#34;MBS&#34;) becomes delinquent, the servicer is usually required to continue to pay principal and interest to the MBS investors, generally for four months, even though the servicer is not receiving payments from borrowers. This may cause liquidity issues, especially for non-bank servicers (who service approximately 47% of the loans underlying our insurance in force as of September 30, 2022) because they do not have the same sources of liquidity that bank servicers have. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">While there has been no disruption in our premium receipts through the end of September 2022, servicers who experience future liquidity issues may be less likely to advance premiums to us on policies covering delinquent loans or to remit premiums on policies covering loans that are not delinquent. Our policies generally allow us to cancel coverage on loans that are not delinquent if the premiums are not paid within a grace period.  </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">An increase in delinquent loans or a transfer of servicing resulting from liquidity issues, may increase the operational burden on servicers, cause a disruption in the servicing of delinquent loans and reduce servicers&#8217; abilities to undertake mitigation efforts that could help limit our losses. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The information presented in this report and on our website with respect to the mortgage loans we insure is based on information reported to us by third parties, including the servicers and originators of the mortgage loans, and information presented may be subject to lapses or inaccuracies in reporting from such third parties. In many cases, </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">we may not be aware that information reported to us is incorrect until such time as a claim is made against us under the relevant insurance policy. We do not consistently receive monthly policy status information from servicers for single premium policies, and may not be aware that the mortgage loans insured by such policies have been repaid. We periodically attempt to determine if coverage is still in force on such policies by asking the last servicer of record or through the periodic reconciliation of loan information with certain servicers. It may be possible that our reports continue to reflect, as active, policies on mortgage loans that have been repaid.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Changes in interest rates, house prices or mortgage insurance cancellation requirements may change the length of time that our policies remain in force.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The premium from a single premium policy is collected upfront and generally earned over the estimated life of the policy. In contrast, premiums from monthly and annual premium policies are received each month or year, as applicable, and earned each month over the life of the policy. In each year, most of our premiums earned are from insurance that has been written in prior years. As a result, the length of time insurance remains in force, which is generally measured by persistency (the percentage of our insurance remaining in force from one year prior), is a significant determinant of our revenues. A higher than expected persistency rate may decrease the profitability from single premium policies because they will remain in force longer and may increase the incidence of claims that was estimated when the policies were written. A low persistency rate on monthly and annual premium policies will reduce future premiums but may also reduce the incidence of claims, while a high persistency on those policies will increase future premiums but may increase the incidence of claims. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our persistency rate was 75.7% at September 30, 2022, 62.6% at December 31, 2021, and 60.5% at December 31, 2020. Since 2000, our year-end persistency ranged from a high of 84.7% at December 31, 2009 to a low of 47.1% at December 31, 2003. Our persistency rate is primarily affected by the level of current mortgage interest rates compared to the mortgage coupon rates on our insurance in force, which affects the vulnerability of the insurance in force to refinancing&#59; and the current amount of equity that borrowers have in the homes underlying our insurance in force. The amount of equity affects persistency in the following ways&#58;</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">Borrowers with significant equity may be able to refinance their loans without requiring mortgage insurance. </font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The Homeowners Protection Act (&#8220;HOPA&#8221;) requires servicers to cancel mortgage insurance when a borrower&#8217;s LTV ratio meets or is scheduled to meet certain levels, generally based on the original value of the home and subject to various conditions.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">The GSEs&#8217; mortgage insurance cancellation guidelines apply more broadly than HOPA and also consider a home&#8217;s current value. For example, borrowers may request cancellation of mortgage insurance based on the home&#8217;s current value if certain LTV and seasoning requirements are met and the borrowers have an acceptable payment history. For loans seasoned between two and five years, the LTV ratio must be 75% or less, and for loans seasoned more than five years the LTV ratio must be 80% or less. For more information about the GSEs guidelines and business practices, and how they may change, see our risk factor titled &#8220;</font><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Changes in the business practices of the GSEs, federal legislation that changes their charters or a restructuring of the GSEs could reduce our revenues or increase our losses.</font><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8221;</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Pandemics, hurricanes and other natural disasters may impact our incurred losses, the amount and timing of paid claims, our inventory of notices of default and our Minimum Required Assets under PMIERs. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pandemics and other natural disasters, such as hurricanes, tornadoes, earthquakes, wildfires and floods, or other events related to changing climatic conditions, could trigger an economic downturn in the affected areas, or in areas with similar risks, which could result in a decline in our business and an increased claim rate on policies in those areas. Natural disasters, rising sea levels and&#47;or fresh water shortages could lead to a decrease in home prices in the affected areas, or in areas with similar risks, which could result in an increase in claim severity on policies in those areas. In addition, the inability of a borrower to obtain hazard and&#47;or flood insurance, or the increased cost of such insurance, could lead to an increase in delinquencies or a decrease in home prices in the affected areas. If we were to attempt to limit our new insurance written in affected areas, lenders may be unwilling to procure insurance from us anywhere.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pandemics and other natural disasters could also lead to increased reinsurance rates or reduced availability of reinsurance. This may cause us to retain more risk than we otherwise would retain and could negatively affect our compliance with the financial requirements of State Capital Requirements and the PMIERs. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The PMIERs require us to maintain significantly more &#34;Minimum Required Assets&#34; for delinquent loans than for performing loans&#59; however, the increase in Minimum Required Assets is not as great for certain delinquent loans in areas that the Federal Emergency Management Agency has declared major disaster areas and for certain loans whose borrowers have been affected by COVID-19. See our risk factor titled</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%"> &#34;We may not continue to meet the GSEs&#8217; private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility.&#34;</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In January 2021, the FHFA issued a Request for Input (&#8220;RFI&#8221;) regarding Climate and Natural Disaster Risk Management at the Regulated Entities (i.e., the GSEs and the Federal Home Loan Banks). The FHFA has instructed the GSEs to designate climate change as a priority concern and actively consider its effects in their decision making. It is possible that efforts to manage this risk by the FHFA, GSEs (including through GSE guideline or mortgage insurance policy changes) or others could materially impact the volume and characteristics of our NIW (including its policy terms), home prices in certain areas and defaults by borrowers in certain areas. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Risk Factors Relating to Our Business Generally</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The premiums we charge may not be adequate to compensate us for our liabilities for losses and as a result any inadequacy could materially affect our financial condition and results of operations.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When we set our premiums at policy issuance, we have expectations regarding likely performance of the insured risks over the long term. Generally, we cannot cancel mortgage insurance coverage or adjust renewal premiums during the life of a policy. As a result, higher than anticipated claims generally cannot be offset by premium increases on policies in force or mitigated by our non-renewal or cancellation of insurance coverage. Our premiums are subject to approval by state regulatory agencies, which can delay or limit our ability to increase premiums on future policies. In addition, our customized rate plans may delay our ability to increase premiums on future policies covered by such plans. The premiums we charge, the investment income we earn and the amount of reinsurance we carry may not be adequate to compensate us for the risks and costs associated with the insurance coverage provided to customers. An increase in the number or size of claims, compared to what we anticipated when we set the premiums, could adversely affect our results of operations or financial condition. Our premium rates are also based in part on the amount of capital we are required to hold against the insured risk. If the amount of capital we are required to hold increases from the amount we were required to hold when we set the premiums, our returns may be lower than we assumed. For a discussion of the amount of capital we are required to hold, see our risk factor titled &#34;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">We may not continue to meet the GSEs&#8217; private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.&#34;</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and&#160;&#47;&#160;or increase our losses.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The private mortgage insurance industry is highly competitive and is expected to remain so. We believe we currently compete with other private mortgage insurers based on premium rates, underwriting requirements, financial strength (including based on credit or financial strength ratings), customer relationships, name recognition, reputation, strength of management teams and field organizations, the ancillary products and services provided to lenders, and the effective use of technology and innovation in the delivery and servicing of our mortgage insurance products. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our relationships with our customers, which may affect the amount of our NIW, could be adversely affected by a variety of factors, including if our premium rates are higher than those of our competitors, our underwriting requirements are more restrictive than those of our competitors, or our customers are dissatisfied with our claims-paying practices (including insurance policy rescissions and claim curtailments). </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In recent years, the industry has materially reduced its use of standard rate cards, which were fairly consistent among competitors, and correspondingly increased its use of (i) pricing systems that use a spectrum of filed rates to allow for formulaic, risk-based pricing based on multiple attributes that may be quickly adjusted within certain parameters,&#160;and (ii) customized rate plans, both of which typically have rates lower than the standard rate card. Our increased use of reinsurance over the past several years, and the improved credit profile and reduced loss expectations associated with loans insured after 2008, have helped to mitigate the negative effect of declining premium rates on our expected returns. However, refer to our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#34;Reinsurance may not always be available or its cost may increase&#34;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> for a discussion of the risks associated with the availability of reinsurance, and our risk factors titled &#8220;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Downturns in the domestic economy or declines in home prices may result in more homeowners defaulting and our losses increasing, with a corresponding decrease in our returns</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">,&#8221; and &#8220;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Pandemics, hurricanes and other natural disasters may impact our incurred losses, the amount and timing of paid claims, our inventory of notices of default and our Minimum Required Assets under PMIERs</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8221; for a discussion about risks associated with our NIW.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The widespread use of risk-based pricing systems by the private mortgage insurance industry makes it more difficult to compare our rates to those offered by our competitors. We may not be aware of industry rate changes until we observe that our volume of NIW has changed. In addition, business under customized rate plans is awarded by certain customers for only limited periods of time. As a result, our NIW may fluctuate more than it had in the past. Regarding the concentration of our new business, our top ten customers accounted for approximately 32% and 37% in the twelve months ended September 30, 2022 and September 30, 2021, respectively. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We monitor various competitive and economic factors while seeking to balance both profitability and market share considerations in developing our pricing strategies. Premium rates on NIW will change our premium yield (net premiums earned divided by the average insurance in force) over time as older insurance policies run off and new insurance policies with premium rates that are generally lower are written.</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Certain of our competitors have access to capital at a lower cost than we do (including, through off-shore intercompany reinsurance vehicles, which have tax advantages that may increase if U.S. corporate income taxes increase). As a result, they may be able to achieve higher after-tax rates of return on their NIW compared to us, which could allow them to leverage reduced premium rates to gain market share, and they may be better positioned to compete outside of traditional mortgage insurance, including by participating in alternative forms of credit enhancement pursued by the GSEs discussed in our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#34;The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.&#34; </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Although the current PMIERs of the GSEs do not require an insurer to maintain minimum financial strength ratings, our financial strength ratings can affect us in the ways set forth below. If we are unable to compete effectively in the current or any future markets as a result of the financial strength ratings assigned to our insurance subsidiaries, our future NIW could be negatively affected.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">A downgrade in our financial strength ratings could result in increased scrutiny of our financial condition by the GSEs and&#47;or our customers, potentially resulting in a decrease in the amount of our NIW. </font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">Our ability to participate in the non-GSE residential mortgage-backed securities market (the size of which has been limited since 2008, but may grow in the future), could depend on our ability to maintain and improve our investment grade ratings for our insurance subsidiaries. We could be competitively disadvantaged with some market participants because the financial strength ratings of our insurance subsidiaries are lower than those of some competitors. </font><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">MGIC's financial strength rating from A.M. Best is A- (with a stable outlook), from Moody&#8217;s is A3 (with a stable outlook) and from Standard &#38; Poor&#8217;s is BBB+ (with a stable outlook)</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.97pt">Financial strength ratings may also play a greater role if the GSEs no longer operate in their current capacities, for example, due to legislative or regulatory action. In addition, although the PMIERs do not require minimum financial strength ratings, the GSEs consider financial strength ratings to be important when using forms of credit enhancement other than traditional mortgage insurance, as discussed in our risk factor titled &#34;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance.&#34;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> The final GSE capital framework provides more capital credit for transactions with higher rated counterparties, as well as those who are diversified. Although we are currently unaware of a direct impact on MGIC, this could potentially become a competitive disadvantage in the future.</font></div><div style="text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Standard &#38; Poor&#8217;s is considering changes to its rating methodologies for insurers, including mortgage insurers. It is uncertain what impact the changes will have,  whether they will prompt similar moves at other rating agencies, or the extent to which they will impact how external parties evaluate the different rating levels. </font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">We are subject to the risk of legal proceedings.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Before paying an insurance claim, generally we review the loan and servicing files to determine the appropriateness of the claim amount. When reviewing the files, we may determine that we have the right to rescind coverage or deny a claim on the loan (both referred to herein as &#8220;rescissions&#8221;). In addition, our insurance policies generally provide that we can reduce a claim if the servicer did not comply with its obligations under our insurance policy (such reduction referred to as a &#8220;curtailment&#8221;). In recent years, an immaterial percentage of claims received have been resolved by rescissions. In the first three quarters of 2022 and in 2021, curtailments reduced our average claim paid by approximately 7.7% and 3.9%, respectively. The COVID-19-related foreclosure moratoriums and forbearance plans decreased our claims paid activity beginning in the second quarter of 2020. It is difficult to predict the level of curtailments once foreclosure activity returns to a more typical level. Our loss reserving methodology incorporates our estimates of future rescissions, curtailments, and reversals of rescissions and curtailments. A variance between ultimate actual rescission, curtailment and reversal rates and our estimates, as a result of the outcome of litigation, settlements or other factors, could materially affect our losses.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the insured disputes our right to rescind coverage or curtail claims, we generally engage in discussions in an attempt to settle the dispute. If we are unable to reach a settlement, the outcome of a dispute ultimately may be determined by legal proceedings. Under ASC 450-20, until a loss associated with settlement discussions or legal proceedings becomes probable and can be reasonably estimated, we consider our claim payment or rescission resolved for financial reporting purposes and do not accrue an estimated loss. When we determine that a loss is probable and can be reasonably estimated, we record our best estimate of our probable loss. In those cases, until settlement negotiations or legal proceedings are concluded (including the receipt of any necessary GSE approvals), it is possible that we will record an additional loss. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We have been named as a third-party defendant in a lawsuit that involves refunds of mortgage insurance premiums under the Homeowners Protection Act. We are monitoring litigation addressing similar issues in which we have not been named a defendant. We are unable to assess the potential impact of any such litigation at this time. </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition, from time to time, we are involved in other disputes and legal proceedings in the ordinary course of business. In our opinion, based on the facts known at this time, the ultimate resolution of these ordinary course disputes and legal proceedings will not have a material adverse effect on our financial position or results of operations.</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">If our risk management programs are not effective in identifying, or adequate in controlling or mitigating, the risks we face, or if the models used in our businesses are inaccurate, it could have a material adverse impact on our business, results of operations and financial condition. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our enterprise risk management program, described in &#34;Business - Our Products and Services - Risk Management&#34; in Item 1 of our Annual Report on Form 10-K for the year ended December 31, 2021, may not be effective in identifying, or adequate in controlling or mitigating, the risks we face in our business. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We employ proprietary and third party models to project returns, price products (including through our risk-based pricing system), determine the techniques used to underwrite insurance, estimate reserves, generate projections used to estimate future pre-tax income and to evaluate loss recognition testing, evaluate risk, determine internal capital requirements, perform stress testing, and for other uses. These models rely on estimates and projections that are inherently uncertain and may not operate as intended, especially under less-frequent circumstances such as those surrounding the COVID-19 pandemic, the Russia-Ukraine war, and high levels of inflation, or with respect to emerging risks, such as changing climatic conditions. In addition, from time to time we seek to improve certain models, and the conversion process may result in material changes to certain assumptions, which could impact our expectations about future returns and financial results. The models we employ are complex, which increases our risk of error in their design, implementation or use. Also, the associated input data, assumptions and calculations may not be correct or accurate, and the controls we have in place to mitigate that risk may not be effective in all cases. The risks related to our models may increase when we change assumptions and&#47;or methodologies, or when we add or change modeling platforms. We have enhanced, and we intend to continue to enhance, our modeling capabilities. Moreover, we may use information we receive through enhancements to refine or otherwise change existing assumptions and&#47;or methodologies. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">We rely on our management team and our business could be harmed if we are unable to retain qualified personnel or successfully develop and&#47;or recruit their replacements.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our success depends, in part, on the skills, working relationships and continued services of our management team and other key personnel. The unexpected departure of key personnel could adversely affect the conduct of our business. In such event, we would be required to obtain other personnel to manage and operate our business. In addition, we will be required to replace the knowledge and expertise of our aging workforce as our workers retire. In either case, there can be no assurance that we would be able to develop or recruit suitable replacements for the departing individuals&#59; that replacements could be hired, if necessary, on terms that are favorable to us&#59; or that we can successfully transition such replacements in a timely manner. We currently have not entered into any employment agreements with our officers or key personnel. Volatility or lack of performance in our stock price may affect our ability to retain our key personnel or attract replacements should key personnel depart. Without a properly skilled and experienced workforce, our costs, including productivity costs and costs to replace employees may increase, and this could negatively impact our earnings.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At the onset of the COVID-19 pandemic, the Company transitioned to a virtual workforce model with certain essential activities supported by limited staff in controlled office environments. We are currently operating under a hybrid model, with most employees working in the office for a portion of time. While the employees are in our office, they may be exposed to health risks, which may expose us to potential liability. We have established an interim succession plan for each of our key executives, should an executive be unable to perform his or her duties. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The mix of business we write affects our Minimum Required Assets under the PMIERs, our premium yields and the likelihood of losses occurring.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Minimum Required Assets under the PMIERs are, in part, a function of the direct risk-in-force and the risk profile of the loans we insure, considering LTV ratio, credit score, vintage, Home Affordable Refinance Program (&#34;HARP&#34;) status and delinquency status&#59; and whether the loans were insured under lender-paid mortgage insurance policies or other policies that are not subject to automatic termination consistent with the Homeowners Protection Act requirements for borrower-paid mortgage insurance. Therefore, if our direct risk-in-force increases through increases in NIW, or if our mix of business changes to include loans with higher LTV ratios or lower FICO scores, for example, all other things equal, we will be required to hold more Available Assets in order to maintain GSE eligibility.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The percentage of our NIW from all single premium policies was 4.4% in the first three quarters of 2022 and 7.4% in full year 2021, and has ranged from 4.4% in 2022 to 19.0% in 2017. Depending on the actual life of a single premium policy and its premium rate relative to that of a monthly premium policy, a single premium policy may generate more or less premium than a monthly premium policy over its life. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As discussed in our risk factor titled &#34;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Reinsurance may not always be available or its cost may increase,&#34; </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">we have in place various QSR transactions. Although the transactions reduce our premiums, they have a lesser impact on our overall results, as losses ceded under the transactions reduce our losses incurred and the ceding commissions we receive reduce our underwriting expenses. The effect of the QSR transactions on the various components of pre-tax income will vary from period to period, depending on the level of ceded losses incurred. We also have in place various </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">XOL reinsurance transactions under which we cede premiums. Under the XOL reinsurance transactions, for the respective reinsurance coverage periods, we retain the first layer of aggregate losses and the reinsurers provide second layer coverage up to the outstanding reinsurance coverage amount. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition to the effect of reinsurance on our premiums, we expect a decline in our premium yield because an increasing percentage of our insurance in force is from recent book years whose premium rates had been trending lower.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our ability to rescind insurance coverage became more limited for new insurance written beginning in mid-2012, and it became further limited for new insurance written under our revised master policy that became effective March 1, 2020. These limitations may result in higher losses paid than would be the case under our previous master policies. In addition, our rescission rights temporarily have become more limited due to accommodations we made in connection with the COVID-19 pandemic. We waived our rescission rights in certain circumstances where the failure to make payments was associated with a COVID-19 pandemic-related forbearance.</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">From time to time, in response to market conditions, we change the types of loans that we insure. We also may change our underwriting guidelines, including by agreeing with certain approval recommendations from a GSE automated underwriting system. We also make exceptions to our underwriting requirements on a loan-by-loan basis and for certain customer programs. Our underwriting requirements are available on our website at http&#58;&#47;&#47;www.mgic.com&#47;underwriting&#47;index.html.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Even when home prices are stable or rising, mortgages with certain characteristics have higher probabilities of claims. As of September 30, 2022, mortgages with these characteristics in our primary risk in force included mortgages with LTV ratios greater than 95% (15.1%), mortgages with borrowers having FICO scores below 680 (7.2%), including those with borrowers having FICO scores of 620-679 (6.3%), mortgages with limited underwriting, including limited borrower documentation (0.8%), and mortgages with borrowers having DTI ratios greater than 45% (or where no ratio is available) (15.2%), each attribute as determined at the time of loan origination. Loans with more than one of these attributes accounted for 4.4% of our primary risk in force as of September 30, 2022, and 3.4% of our NIW in the first three quarters of 2022 and less than one percent of our NIW in the first three quarters of 2021. When home prices increase, interest rates increase and&#47;or the percentage of our NIW from purchase transactions increases, our NIW on mortgages with higher LTV ratios and higher DTI ratios may increase. Our NIW on mortgages with LTV ratios greater than 95% increased from 11% in the first three quarters of 2021 to 13% in the first three quarters of 2022 and our NIW on mortgages with DTI ratios greater than 45% increased from 13% in the first three quarters of 2021 to 21% in the first three quarters of 2022.</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">From time to time, we change the processes we use to underwrite loans. For example&#58; we rely on information provided to us by lenders that was obtained from certain of the GSEs&#8217; automated appraisal and income verification tools, which may produce results that differ from the results that would have been determined using different methods&#59; we accept GSE appraisal waivers for certain refinance loans, the numbers of which have increased significantly beginning in 2020&#59; and we accept GSE appraisal flexibilities that allow property valuations in certain transactions to be based on appraisals that do not involve an onsite or interior inspection of the property. Our acceptance of automated GSE appraisal and income verification tools, GSE appraisal waivers and GSE appraisal flexibilities may affect our pricing and risk assessment. We also continue to further automate our underwriting processes and it is possible that our automated processes result in our insuring loans that we would not otherwise have insured under our prior processes.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Approximately 72% of our first three quarters 2022 and 72% of our 2021 NIW was originated under delegated underwriting programs pursuant to which the loan originators had authority on our behalf to underwrite the loans for our mortgage insurance. For loans originated through a delegated underwriting program, we depend on the originators' compliance with our guidelines and rely on the originators' representations that the loans being insured satisfy the underwriting guidelines, eligibility criteria and other requirements. While we have established systems and processes to monitor whether certain aspects of our underwriting guidelines were being followed by the originators, such systems may not ensure that the guidelines were being strictly followed at the time the loans were originated. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The widespread use of risk-based pricing systems by the private mortgage insurance industry (discussed in our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#34;Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and&#160;&#47;&#160;or increase our losses&#34;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">) makes it more difficult to compare our premium rates to those offered by our competitors. We may not be aware of industry rate changes until we observe that our mix of new insurance written has changed and our mix may fluctuate more as a result. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If state or federal regulations or statutes are changed in ways that ease mortgage lending standards and&#47;or requirements, or if lenders seek ways to replace business in times of lower mortgage originations, it is possible that more mortgage loans could be originated with higher risk characteristics than are currently being originated, such as loans with lower FICO scores and higher DTI ratios. The focus of the new FHFA leadership on increasing homeownership opportunities for borrowers is likely to have this effect. Lenders could pressure mortgage insurers to insure such loans, which are expected to experience higher claim rates. Although we attempt to incorporate these </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">higher expected claim rates into our underwriting and pricing models, there can be no assurance that the premiums earned and the associated investment income will be adequate to compensate for actual losses paid even under our current underwriting requirements. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Our holding company debt obligations materially exceed our holding company cash and investments. </font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At September 30, 2022, we had approximately $352 million in cash and investments at our holding company and our holding company&#8217;s long-term debt obligations were $672 million in aggregate principal amount. Annual debt service on the long-term debt obligations outstanding as of September 30, 2022, is approximately $36 million.</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The long-term debt obligations are owed by our holding company, MGIC Investment Corporation, and not its subsidiaries. The payment of dividends from our insurance subsidiaries (primarily MGIC) which, other than investment income and raising capital in the public markets, is the principal source of our holding company cash inflow. Although MGIC holds assets in excess of its minimum statutory capital requirements and its PMIERs financial requirements, the ability of MGIC to pay dividends is restricted by insurance regulation. In general, dividends in excess of prescribed limits are deemed &#8220;extraordinary&#8221; and may not be paid if disapproved by the OCI. The level of ordinary dividends that may be paid without OCI approval is determined on an annual basis and it is $122 million in 2022, before considering dividends paid in the previous twelve months. A dividend is extraordinary when the proposed dividend amount plus dividends paid in the last twelve months from the dividend payment date exceed the ordinary dividend level. In the nine months ended September 30, 2022, MGIC paid $400 million in dividends of cash and investments to the holding company. Future dividend payments from MGIC to the holding company will be determined in consultation with the board of directors, and after considering any updated estimates about our business.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Repurchases of our common stock may be made from time to time on the open market (including through 10b5-1 plans) or through privately negotiated transactions. In the three quarters of 2022, we repurchased approximately 21.7 million shares, using approximately $306 million of holding company resources. As of September 30, 2022, we had $194 million of authorization remaining to repurchase our common stock through the end of 2023 under a share repurchase program approved by our Board of Directors in October 2021. If any capital contributions to our subsidiaries are required, such contributions would decrease our holding company cash and investments.  </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Your ownership in our company may be diluted by additional capital that we raise.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As noted above under our risk factor titled </font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">&#8220;We may not continue to meet the GSEs&#8217; private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility,&#8221;</font><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> although we are currently in compliance with the requirements of the PMIERs, there can be no assurance that we would not seek to issue additional debt capital or to raise additional equity or equity-linked capital to manage our capital position under the PMIERs or for other purposes. Any future issuance of equity securities may dilute your ownership interest in our company. In addition, the market price of our common stock could decline as a result of sales of a large number of shares or similar securities in the market or the perception that such sales could occur.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The price of our common stock may fluctuate significantly, which may make it difficult for holders to resell common stock when they want or at a price they find attractive.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The market price for our common stock may fluctuate significantly. In addition to the risk factors described herein, the following factors may have an adverse impact on the market price for our common stock&#58; changes in general conditions in the economy, the mortgage insurance industry or the financial markets&#59; announcements by us or our competitors of acquisitions or strategic initiatives&#59; our actual or anticipated quarterly and annual operating results&#59; changes in expectations of future financial performance (including incurred losses on our insurance in force)&#59; changes in estimates of securities analysts or rating agencies&#59; actual or anticipated changes in our share repurchase program or dividends&#59; changes in operating performance or market valuation of companies in the mortgage insurance industry&#59; the addition or departure of key personnel&#59; changes in tax law&#59; and adverse press or news announcements affecting us or the industry. In addition, ownership by certain types of investors may affect the market price and trading volume of our common stock. For example, ownership in our common stock by investors such as index funds and exchange-traded funds can affect the stock&#8217;s price when those investors must purchase or sell our common stock because the investors have experienced significant cash inflows or outflows, the index to which our common stock belongs has been rebalanced, or our common stock is added to and&#47;or removed from an index (due to changes in our market capitalization, for example). </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">We could be adversely affected if personal information on consumers that we maintain is improperly disclosed, our information technology systems are damaged or their operations are interrupted, or our automated processes do not operate as expected.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As part of our business, we maintain large amounts of personal information of consumers, including on our servers and those of cloud computing services. Federal and state laws designed to promote the protection of such information require businesses that collect or maintain consumer information to adopt information security </font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">programs, and to notify individuals, and in some jurisdictions, regulatory authorities, of security breaches involving personally identifiable information. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We are increasingly reliant on the efficient and uninterrupted operation of complex information technology systems. All information technology systems are potentially vulnerable to damage or interruption from a variety of sources, including by third-party cyber attacks, including those involving ransomware. The Company discovers vulnerabilities and experiences malicious attacks and other attempts to gain unauthorized access to its systems on a regular basis. Globally, attacks are expected to continue accelerating in both frequency and sophistication with increasing use by actors of tools and techniques that will hinder the Company&#8217;s ability to identify, investigate and recover from incidents. Such attacks may also increase as a result of retaliation by Russia in response to actions taken by the U.S. and other countries in connection with Russia's military invasion of Ukraine. In response to the COVID-19 pandemic, the Company transitioned to a primarily virtual workforce model and will likely continue to operate under a hybrid model in the future. Virtual and hybrid workforce models may be more vulnerable to security breaches. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">While we have information security policies and systems in place to secure our information technology systems and to prevent unauthorized access to or disclosure of sensitive information, there can be no assurance with respect to our systems and those of our third-party vendors that unauthorized access to the systems or disclosure of the sensitive information, either through the actions of third parties or employees, will not occur. Due to our reliance on information technology systems, including ours and those of our customers and third-party service providers, and to the sensitivity of the information that we maintain, unauthorized access to the systems or disclosure of the information could adversely affect our reputation, severely disrupt our operations, result in a loss of business and expose us to material claims for damages and may require that we provide free credit monitoring services to individuals affected by a security breach.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Should we experience an unauthorized disclosure of information or a cyber attack, including those involving ransomware, some of the costs we incur may not be recoverable through insurance, or legal or other processes, and this may have a material adverse effect on our results of operations.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We are in the process of upgrading certain information systems, and transforming and automating certain business processes, and we continue to enhance our risk-based pricing system and our system for evaluating risk. Certain information systems have been in place for a number of years and it has become increasingly difficult to support their operation. The implementation of technological and business process improvements, as well as their integration with customer and third-party systems when applicable, is complex, expensive and time consuming. If we fail to timely and successfully implement and integrate the new technology systems, if the third party providers to which we are becoming increasingly reliant do not perform as expected, if our legacy systems fail to operate as required, or if the upgraded systems and&#47;or transformed and automated business processes do not operate as expected, it could have a material adverse impact on our business, business prospects and results of operations.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Our success depends, in part, on our ability to manage risks in our investment portfolio. </font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our investment portfolio is an important source of revenue and is our primary source of claims paying resources. Although our investment portfolio consists mostly of highly-rated fixed income investments, our investment portfolio is affected by general economic conditions and tax policy, which may adversely affect the markets for credit and interest-rate-sensitive securities, including the extent and timing of investor participation in these markets, the level and volatility of interest rates and credit spreads and, consequently, the value of our fixed income securities. Prevailing market rates have increased for various reasons, including inflationary pressures, which has reduced the fair value of our investment portfolio. The value of our investment portfolio may also be adversely affected by ratings downgrades, increased bankruptcies, and credit spreads widening. In addition, the collectability and valuation of our municipal bond portfolio may be adversely affected by budget deficits, and declining tax bases and revenues experienced by state and local municipalities. Our investment portfolio also includes commercial mortgage-backed securities, collateralized loan obligations, and asset-backed securities, which could be adversely affected by declines in real estate valuations, increases in unemployment geopolitical risks and&#47;or financial market disruption, including a heightened collection risk on the underlying loans. As a result of these matters, we may not achieve our investment objectives and a reduction in the market value of our investments could have an adverse effect on our liquidity, financial condition and results of operations. </font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For the significant portion of our investment portfolio that is held by MGIC, to receive full capital credit under insurance regulatory requirements and under the PMIERs, we generally are limited to investing in investment grade fixed income securities whose yields reflect their lower credit risk profile. Our investment income depends upon the size of the portfolio and its reinvestment at prevailing interest rates. A prolonged period of low investment yields would have an adverse impact on our investment income as would a decrease in the size of the portfolio. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We structure our investment portfolio to satisfy our expected liabilities, including claim payments in our mortgage insurance business. If we underestimate our liabilities or improperly structure our investments to meet these liabilities, we could have unexpected losses resulting from the forced liquidation of fixed income investments before their maturity, which could adversely affect our results of operations.</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">The Company may be adversely impacted by the transition from LIBOR as a reference rate.</font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The United Kingdom&#8217;s Financial Conduct Authority, which regulates LIBOR, announced that after 2021 it would no longer publish one-week and two-month tenor USD LIBOR and that after June 30, 2023, it would no longer publish all other USD LIBOR tenors. Efforts are underway to identify and transition to a set of alternative reference rates.  The set of alternative rates includes the Secured Overnight Financing Rate (&#8220;SOFR&#8221;), which the Federal Reserve Bank of New York began publishing in 2018. Because SOFR is calculated based on different criteria than LIBOR, SOFR and LIBOR may diverge. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">While it is not currently possible to determine precisely whether, or to what extent, the replacement of LIBOR would affect us, the implementation of alternative benchmark rates to LIBOR may have an adverse effect on our business, results of operations or financial condition. We have three primary types of transactions that involve financial instruments referencing LIBOR. First, as of September 30, 2022, approximately 6% of the fair value of our investment portfolio consisted of securities referencing LIBOR. Second, as of September 30, 2022, approximately $0.4&#160;billion of our risk in force was on adjustable rate mortgages whose interest is referenced to one-month USD LIBOR. A change in reference rate associated with these loans may affect their principal balance, which may affect our risk-in-force and the amount of Minimum Required Assets we are required to maintain under PMIERs. A change in reference rate may also affect the amount of principal and&#47;or accrued interest we are required to pay in the event of a claim payment. Third, the premiums under most of our 2018-2021 excess-of-loss reinsurance agreements executed through insurance linked noted transactions are determined, in part, by the difference between interest payable on the reinsurers&#8217; notes which reference one-month USD LIBOR and earnings from a pool of securities receiving interest that may reference LIBOR (in the first three quarters of 2022, our total premiums on such transactions were approximately $28.0&#160;million).</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>mtg-20221102.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:83a71a4b-f01a-47c6-8a2e-262c4f64f90d,g:9367d906-bc91-4510-b335-46f31fa577ff-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:mtg="http://www.mgic.com/20221102" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.mgic.com/20221102">
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2022" schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="mtg-20221102_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="mtg-20221102_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.mgic.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>mtg-20221102_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:83a71a4b-f01a-47c6-8a2e-262c4f64f90d,g:9367d906-bc91-4510-b335-46f31fa577ff-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_dei_EntityCentralIndexKey_65d25fa1-963a-479d-9140-ce789f1f3b47_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_33687ea6-a6df-45bf-b1f4-a8bd77049de2_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_2c54bb7e-ac5c-49bc-9ce8-986714978dee_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_ccc6f49b-0587-44a4-9156-8489244a19d9_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_8cdf20ba-1ad9-4d9a-a165-c5115b851ba2_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_966d0903-e9a0-4d85-ac00-498eb9bb76da_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementIssuerTenderOffer" xlink:to="lab_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SolicitingMaterial_f5d9d0b1-3e11-45c6-9c4c-adc532d0d299_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:label id="lab_dei_SolicitingMaterial_label_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SolicitingMaterial" xlink:to="lab_dei_SolicitingMaterial" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_68eae388-f144-4bcd-b83b-f501f86e88f9_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_18704891-5914-4ace-8a51-2d8a17b8bb14_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_b578aba7-5aba-4e56-944c-49b6ed5ddd3e_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_386170f7-21ee-4790-82a1-7466ab8e186f_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_WrittenCommunications_53d40dfc-e7ca-45d6-ad00-1cf0171d30e4_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:label id="lab_dei_WrittenCommunications_label_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_WrittenCommunications" xlink:to="lab_dei_WrittenCommunications" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_aa62b644-2b21-496b-93bb-cca5c0edbf22_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_ffc36f9f-ca58-43e7-9b6d-dbbce27fac25_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_12b7de31-843c-4259-951d-5027fa959e90_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of each class</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_048e951b-bb7e-4972-966b-5845834aaadc_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_fa448563-1722-40cb-890f-218b2452709b_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_0b28caf2-c70e-45ab-9024-6742bf78595d_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_67fb0f9f-eeaa-4307-bd18-778e0dbd7e16_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_cd423b8b-fad3-4ba4-a74f-99359b71499c_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_60f3db6e-d9a6-4906-9df3-a9eeea87b7ef_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_699c3847-b901-4b04-b45f-a0b8739030f2_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementTenderOffer_0f446943-a5b1-41c8-b12f-2c9ec394734e_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementTenderOffer" xlink:to="lab_dei_PreCommencementTenderOffer" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>mtg-20221102_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:83a71a4b-f01a-47c6-8a2e-262c4f64f90d,g:9367d906-bc91-4510-b335-46f31fa577ff-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.mgic.com/role/Cover" xlink:type="simple" xlink:href="mtg-20221102.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.mgic.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_dad862bf-d855-42d1-b610-58a71387d7bf" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_DocumentType_dad862bf-d855-42d1-b610-58a71387d7bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_687d6522-96fb-40d6-9727-03f1fd61c342" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_DocumentPeriodEndDate_687d6522-96fb-40d6-9727-03f1fd61c342" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_f4db54f9-b196-4880-b452-2598ecb6a853" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityRegistrantName_f4db54f9-b196-4880-b452-2598ecb6a853" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_b6d8c368-52da-42ad-9305-2a8173bafe4b" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityIncorporationStateCountryCode_b6d8c368-52da-42ad-9305-2a8173bafe4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_0819f775-29fe-497d-8e65-d5bdc302f819" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityFileNumber_0819f775-29fe-497d-8e65-d5bdc302f819" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_f043eb5d-a0f6-485a-b9e2-c9e5d41d98ae" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityTaxIdentificationNumber_f043eb5d-a0f6-485a-b9e2-c9e5d41d98ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_7ff99ef0-4ec0-4b34-a720-2aa26194a594" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityAddressAddressLine1_7ff99ef0-4ec0-4b34-a720-2aa26194a594" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_e719863c-ff11-46ee-bc96-7d1d51d75572" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityAddressCityOrTown_e719863c-ff11-46ee-bc96-7d1d51d75572" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_53de6d7c-d0a1-448c-9a44-4215a0249099" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityAddressStateOrProvince_53de6d7c-d0a1-448c-9a44-4215a0249099" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_c1ce99d6-b638-4015-b6b1-9953e2ee39f8" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityAddressPostalZipCode_c1ce99d6-b638-4015-b6b1-9953e2ee39f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_4207c614-5ac8-4714-a791-48f13801829b" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_CityAreaCode_4207c614-5ac8-4714-a791-48f13801829b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_b25c0bd7-031c-4760-8855-429938570c7c" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_LocalPhoneNumber_b25c0bd7-031c-4760-8855-429938570c7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_e0664d0b-fdbd-4534-855b-fa4ec5c477b5" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_Security12bTitle_e0664d0b-fdbd-4534-855b-fa4ec5c477b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_7840d92e-05f8-4392-9f37-0568d40e5e58" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_TradingSymbol_7840d92e-05f8-4392-9f37-0568d40e5e58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_16a9bb73-3ca5-421c-96bb-5b302681b6a5" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_SecurityExchangeName_16a9bb73-3ca5-421c-96bb-5b302681b6a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications_684c78b3-f154-4bb6-b8ee-28e3e60e5cb5" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_WrittenCommunications_684c78b3-f154-4bb6-b8ee-28e3e60e5cb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial_a53eb481-324d-4c8c-8cb2-09cb3596c898" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_SolicitingMaterial_a53eb481-324d-4c8c-8cb2-09cb3596c898" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer_a9abfe88-e234-41c9-a01b-61d32e0a24f5" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_PreCommencementTenderOffer_a9abfe88-e234-41c9-a01b-61d32e0a24f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer_b1329db3-a1d7-45d3-bbfc-cd7c7125e0f7" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_PreCommencementIssuerTenderOffer_b1329db3-a1d7-45d3-bbfc-cd7c7125e0f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_7af3d428-d0dd-4130-8f5d-1934f3ac5767" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityEmergingGrowthCompany_7af3d428-d0dd-4130-8f5d-1934f3ac5767" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_75869442-976a-46e2-9b2c-81f98a1b78b7" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_EntityCentralIndexKey_75869442-976a-46e2-9b2c-81f98a1b78b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_8bef0424-7911-4dae-a1e7-b103a3ea726d" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_1f6dbec9-4078-4758-85ca-40e13373dd7f" xlink:to="loc_dei_AmendmentFlag_8bef0424-7911-4dae-a1e7-b103a3ea726d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>mgiclogoa09.jpg
<TEXT>
begin 644 mgiclogoa09.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1" !4 .L# 1$  A$! Q$!_\0
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MX?E1JJT4$FC[.72IG4GB,@3YK(>MN-1U79Q*ANE3J2$,@^Y:@O\ 8I5<IMU
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MB9B"\?M=@L4QQM;X96X](7R+"TCG)  YDCU)KOIK='3O$F22EM5=)*IACV0
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6(10A%"$4(10A%"$4(10A%"$4(7__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.2.2</span><table class="report" border="0" cellspacing="2" id="idm139905562885056">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Nov. 02, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Nov.  02,  2022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">MGIC Investment Corporation<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">WI<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-10816<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">39-1486475<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">250 E. Kilbourn Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Milwaukee,<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">WI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">53202<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(414)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">347-6480<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of each class</a></td>
<td class="text">Common stock<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MTG<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000876437<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>mtg-20221102_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xml:lang="en-US"
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="mtg-20221102.xsd" xlink:type="simple"/>
    <context id="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000876437</identifier>
        </entity>
        <period>
            <startDate>2022-11-02</startDate>
            <endDate>2022-11-02</endDate>
        </period>
    </context>
    <dei:EntityCentralIndexKey
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV80L2ZyYWc6OTRhMzIzZWFkZWE5NDc5MWEyNDI2MjkwZmQ5ZGFhNzgvdGFibGU6MzMwOTg4MDlhMGJlNGM1YWJiNTc2YzQ4ODhlYzIxMWEvdGFibGVyYW5nZTozMzA5ODgwOWEwYmU0YzVhYmI1NzZjNDg4OGVjMjExYV8xLTEtMS0xLTEyMTg3MQ_7697d1a5-a320-41eb-912d-aa6f18f71aae">0000876437</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV80L2ZyYWc6OTRhMzIzZWFkZWE5NDc5MWEyNDI2MjkwZmQ5ZGFhNzgvdGFibGU6MzMwOTg4MDlhMGJlNGM1YWJiNTc2YzQ4ODhlYzIxMWEvdGFibGVyYW5nZTozMzA5ODgwOWEwYmU0YzVhYmI1NzZjNDg4OGVjMjExYV8yLTEtMS0xLTEyMTg3MQ_f085031c-9640-4e3d-8238-7df9dda167b6">false</dei:AmendmentFlag>
    <dei:DocumentType
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg0_6030fd13-ba2c-478a-b4c8-7ecb9b9dcb7c">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6NTI4MjY4NGZkZTMxNDI5ZWJkODk0OGQxZTExYzIzZmMvdGFibGVyYW5nZTo1MjgyNjg0ZmRlMzE0MjllYmQ4OTQ4ZDFlMTFjMjNmY18xLTItMS0xLTEyMTg3MQ_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">2022-11-02</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg1_dc58957f-83fe-4778-9e9c-34109a81c67a">MGIC Investment Corporation</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8wLTAtMS0xLTEyMTg3MQ_89a60536-c108-487f-938f-908c04cc1e74">WI</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8wLTEtMS0xLTEyMTg3MQ_ee05d47b-1b70-4a20-b7ff-a85b64674477">1-10816</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8wLTMtMS0xLTEyMTg3MQ_54cdb027-769b-41d3-9d93-05d32377662a">39-1486475</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTAtMS0xLTEyMTg3MQ_dca75c74-5f9a-49be-b0c5-776f43ffe9ce">250 E. Kilbourn Avenue</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTEtMS0xLTEyMTg3MQ_37110169-139f-4dc7-997b-96e5312b1e85">Milwaukee,</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTItMS0xLTEyMTg3MQ_a65b99b5-71d0-4f1c-b992-2ab526683703">WI</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MWM3ZjAwN2IwYzk4NDJkOTkwM2I3OWY1NTY0NGNmOTYvdGFibGVyYW5nZToxYzdmMDA3YjBjOTg0MmQ5OTAzYjc5ZjU1NjQ0Y2Y5Nl8zLTMtMS0xLTEyMTg3MQ_b13ae910-e333-424e-abe8-ce5bc6fe2a08">53202</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZGZjNjRkNmQ2MWMwNGU3ZmExYzZhMjgwODkwODJmZDcvdGFibGVyYW5nZTpkZmM2NGQ2ZDYxYzA0ZTdmYTFjNmEyODA4OTA4MmZkN18wLTEtMS0xLTEyMTg3MQ_1731ff1e-c091-46c3-b6af-7ce953b624fd">(414)</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZGZjNjRkNmQ2MWMwNGU3ZmExYzZhMjgwODkwODJmZDcvdGFibGVyYW5nZTpkZmM2NGQ2ZDYxYzA0ZTdmYTFjNmEyODA4OTA4MmZkN18wLTItMS0xLTEyMTg3MQ_bde042f1-19c2-4213-8b04-8c6ad99e66a1">347-6480</dei:LocalPhoneNumber>
    <dei:Security12bTitle
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MmRiMTg3OWIxZjliNDE4NGJmNjU5ZWIzMWEwMzBjYjgvdGFibGVyYW5nZToyZGIxODc5YjFmOWI0MTg0YmY2NTllYjMxYTAzMGNiOF8xLTAtMS0xLTEyMTg3MQ_f0810d79-2366-4a70-adec-47c8faec32ca">Common stock</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MmRiMTg3OWIxZjliNDE4NGJmNjU5ZWIzMWEwMzBjYjgvdGFibGVyYW5nZToyZGIxODc5YjFmOWI0MTg0YmY2NTllYjMxYTAzMGNiOF8xLTItMS0xLTEyMTg3MQ_88b5e41c-576e-4b29-bc5c-71b8a8336aa6">MTG</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6MmRiMTg3OWIxZjliNDE4NGJmNjU5ZWIzMWEwMzBjYjgvdGFibGVyYW5nZToyZGIxODc5YjFmOWI0MTg0YmY2NTllYjMxYTAzMGNiOF8xLTQtMS0xLTEyMTg3MQ_947e62e3-8fdc-43e6-8bc0-1a290dc78be6">NYSE</dei:SecurityExchangeName>
    <dei:WrittenCommunications
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg2_08fcbb45-9485-48ac-9cd9-dfd5b01dacb6">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg3_e43325fd-1009-4967-98a1-858a572a2a79">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg4_6349d6f2-f87d-4a94-abf1-95e5d7dcb0c7">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8yMDg5_7b0750bf-fd55-4e06-8c62-1f82ae6c6f24">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZDY1OGUxNzI0YjkyNDNmZDk5Mjk2ZjI2Yjk5YmI3M2YvdGFibGVyYW5nZTpkNjU4ZTE3MjRiOTI0M2ZkOTkyOTZmMjZiOTliYjczZl8wLTEtMS0xLTEyMTg3MQ_a089fc6d-0085-4651-8490-c6bb3576a555">false</dei:EntityEmergingGrowthCompany>
    <dei:DocumentPeriodEndDate
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8xNTQy_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">2022-11-02</dei:DocumentPeriodEndDate>
    <dei:DocumentPeriodEndDate
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGV4dHJlZ2lvbjo3YmRhYjFjM2JhNzA0NjM1YTk5ZDBmZTExNTBlZmRiMF8xODA2_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">2022-11-02</dei:DocumentPeriodEndDate>
    <dei:DocumentPeriodEndDate
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6ZWVkMDE2MjE0NWFhNDA4MWI1MjcyYjFlMjYwMDk5OTkvdGFibGVyYW5nZTplZWQwMTYyMTQ1YWE0MDgxYjUyNzJiMWUyNjAwOTk5OV8zLTItMS0xLTEyMTg3MS90ZXh0cmVnaW9uOmEyYzViMmUxMzkyOTRhYTVhOGJiMjYwZTVlMGQ0M2FhXzI0_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">2022-11-02</dei:DocumentPeriodEndDate>
    <dei:DocumentPeriodEndDate
      contextRef="i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102"
      id="id3VybDovL2RvY3MudjEvZG9jOjBhMWMyZTI3MTY5NjQxMThhN2ZlMjZhMzliNmZiZTc5L3NlYzowYTFjMmUyNzE2OTY0MTE4YTdmZTI2YTM5YjZmYmU3OV8xL2ZyYWc6N2JkYWIxYzNiYTcwNDYzNWE5OWQwZmUxMTUwZWZkYjAvdGFibGU6NGEzMWYxYTgxNzkxNDczNmI4NTg0ZmQ5NGRkNjlkZGMvdGFibGVyYW5nZTo0YTMxZjFhODE3OTE0NzM2Yjg1ODRmZDk0ZGQ2OWRkY180LTEtMS0xLTEyMTg3MQ_1143d0a3-920d-4863-b6cd-2cb34b6bbd75">2022-11-02</dei:DocumentPeriodEndDate>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
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M QP7-BMSH^ IAS@S',LM4WW7@)2]X4;'L/M#6' F[%EN;X@77)' "X+_A[M
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MT$07A%]M#3[J[-^AS:0V-"%_\^SL0FU0;+? ]3"V:EOP<6,ODCB"SZ'S*+C
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M    $               @ $     9&]C4')O<',O87!P+GAM;%!+ 0(4 Q0
M   (  &"8E6?20TP[0   "L"   1              "  :\   !D;V-0<F]P
M<R]C;W)E+GAM;%!+ 0(4 Q0    (  &"8E697)PC$ 8  )PG   3
M      "  <L!  !X;"]T:&5M92]T:&5M93$N>&UL4$L! A0#%     @  8)B
M55ANV(TN!   9A   !@              ("!# @  'AL+W=O<FMS:&5E=',O
M<VAE970Q+GAM;%!+ 0(4 Q0    (  &"8E6?H!OPL0(  .(,   -
M      "  7 ,  !X;"]S='EL97,N>&UL4$L! A0#%     @  8)B59>*NQS
M    $P(   L              ( !3 \  %]R96QS+RYR96QS4$L! A0#%
M  @  8)B5:K$(A8S 0  (@(   \              ( !-1   'AL+W=O<FMB
M;V]K+GAM;%!+ 0(4 Q0    (  &"8E4D'INBK0   /@!   :
M  "  941  !X;"]?<F5L<R]W;W)K8F]O:RYX;6PN<F5L<U!+ 0(4 Q0    (
M  &"8E5ED'F2&0$  ,\#   3              "  7H2  !;0V]N=&5N=%]4
?>7!E<UTN>&UL4$L%!@     )  D /@(  ,03      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.22.2.2</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="mtg-20221102.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>0000001 - Document - Cover</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.mgic.com/role/Cover</Role>
      <ShortName>Cover</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="mtg-20221102.htm">mtg-20221102.htm</File>
    <File>a093022exhibit99q32022er.htm</File>
    <File>mtg-20221102.xsd</File>
    <File>mtg-20221102_lab.xml</File>
    <File>mtg-20221102_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="26">http://xbrl.sec.gov/dei/2022</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>14
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "mtg-20221102.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "mtg-20221102.htm"
     ]
    },
    "labelLink": {
     "local": [
      "mtg-20221102_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "mtg-20221102_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "mtg-20221102.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.sec.gov/dei/2022/dei-2022.xsd"
     ]
    }
   },
   "elementCount": 23,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2022": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 22,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "mtg",
   "nsuri": "http://www.mgic.com/20221102",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "baseRef": "mtg-20221102.htm",
      "contextRef": "i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "0000001 - Document - Cover",
     "role": "http://www.mgic.com/role/Cover",
     "shortName": "Cover",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "baseRef": "mtg-20221102.htm",
      "contextRef": "i84d5d4c8e51541229d618bc0b154b2d7_D20221102-20221102",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code",
        "terseLabel": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer",
        "terseLabel": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer",
        "terseLabel": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security",
        "terseLabel": "Title of each class"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.mgic.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>15
<FILENAME>0000876437-22-000038-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000876437-22-000038-xbrl.zip
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M1.8P9O/))O]\@HC"8$CX&6:DCS/^BTR"RL]WUWHNL&P_^'/D^;/-I4\ S"!
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MHW :T+%O$WCK>O'$=YY.@S# )8VH=:] RW:V!*A 2X *M 2H0$N "K3DN25
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M KIU+;A7<'T0:%E[6L)F#V%B1P^EY966O&C+;5EJ!36J0"FH!?<*KL$</J?
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M*PNR_J]IG'C#IS=EQK?-:XL_:1>>^\\WGF$:DJT/AK+A*IH]Z/<5U<!8T?#
M<!1'U_^CFF_RET;1')7WN-./L/.SXPS)QG3J^(_.4[P\)0*!'!T:#3#8Q]3+
M$^"U@+=?T@((X-,=VL6#+)[VE!FX:=0$BXOYY R2,(KWPK[G*SR#F;VL*AR6
M#.O7_7F,IC%V41_[X:. ?O_%4A3I[!$+[#?Y+/]+.(WROSB!F_]U&N=_C/ 0
M1S2:*"UD'CS@.&'7%1>"EFE;V3R+B;0,6'T:)R%?7G0:O-2#@)P8)2-,>Z"$
M(Y_][]2+,!F&;B^-C':R-+:8=5TNNEKDD7_K8+P,5G3+Q%MP3Z?ZV0_[CH^N
M'FBN"J[FP_HYI2%GWJ#$#.\(NR]N_NA>=F0;D3W6Q6-O@,;.$_E_(L \Q_>?
MD#>>$!H@@E(TG";3"*,AV<:" 7E*V!]/_2064'\:D]YC\IOO$=BX'N$_Z>_W
M7S3SC$!O_@9!E\NDOXBV%P#'6;=%5%FA"%U?A":*I$C/*2*B/T>>C]F"\@(R
M8?(H)^1PWGL8L#YRZJ$168/CT*6K%KL">YO0@JY4 KO'D3<8S=\]#IN01Z08
M6<-1XG@!DP(#)PC"A$@U-(FPZU%"B+__(AO2&27<V+DGTYVZF,[3"9[RP63#
M&X13GTI$0I2A3Q.I4?GXA!Z<R NG,1JFJTT@C_.T,)0&/@[NDQ'[>HR)N4>'
M3;JGCV;\(:.C__Y!OD[ZI-7X,.D'#X=$+C$!10;[_[?WK4UN6TF6?X6Q8X]5
ML2RN2I9M>3MB(\JRU:T9VU)+?LQ\!$FP"BT08 -$4>Q?OYDG,^_-"X"LDJ8E
M5;EK(W;:8I' ?>3-FX^3)[N%[,B6U%*[+MJ6)^CV8ZION\I+_KBK\O6FK%$;
M/IU<U/3F"FI3=I2MG1:#HE%#R6ZS-WG%\WE&:U3DDY^R'']_1N]>XM\+KC'/
M29-^^?A/?W[]0XO_..% K\UW;7J4!C[/,U&@_!"2BV)%?BYV9=/4%TVV;D^F
M^!L_DX='DL!3SA<T99I (F@0)MK7>KT_K(3_*'?O8<WFSDDX=B0[)H%LL?7%
M;U67=(/SO^0(9B3/R[Q=-,6<1(U^3'O&G] 1*4T.FWQ-!V8IA+OT <?T^3Y1
M"0=,[!V64SV>4TY<B.$]7&#YB%]:;?_O*7_IHRXY3(*OPZ0^UHM[2_-X]NTW
M//$7M+^TBUU#1P^@#SJJNZ+D_5F0B4[;4:RDJT!@0UXP=MO^3 J<CDO+[F31
M7K(&S1L^[G0J)S$K8P^^S/US]A-2D,6"E4/#DK#(25,L^0R";IG$(=OB3]M=
MS889Q$<Y*%KZCW8[679RZ/EU\J,=AE.PQE<!#"3.&Q)=F'<PWVA,N6G';$$*
MMX+=0J9@49.R[;9XJ$CRV)@OLZN<_S'9YZSE:69A!@^B_,L)$?%7N_#Y=S^_
M4KOP9$;6WX0W1DQ+/FTV^M8&5PT)J;$%<7@T9^P975[X*5US.A;E#XO:+UOS
M1*>\G'9%3/G1>4;/P9>G<OQM?^_<X3MHV]WFX_C5["%BGK_G6/UY;F[%DN65
M523L"IR A11+2$)4+O>FN&)Y#W<B3A[]D>3EHI@7)1L"^D Y/ ]PH;[\Z?D/
MK^QN56GCVW:J<G615[@KPX_3 =#(:*"7>2GGKT^7SN<7W;SX3-'_K/EXR5]8
M&J][I+I94?K#R6>+1/3$X)4FMNT1L_FV"NX=$%.[-9X?UTQA%Z:]KRF;(>FK
M-:TJ[RC,L0FI+55A4>3NK@:Z0QO)US]=?FS<Z;W8Y/':%C=&3B8M]IN<#Y^H
M)P[2L@-A]PKY5^M655*XE/@"Y#@S/UO?TG;TI]ZSJOP"3H)S&=_I^-[*>,&K
MCMRF[/37-PTI;A+NK/$>9$UKUDPN)$"27XE:H]7(EG0<6EZ)#.Z)^&JSUS-S
M2;#@WBB_E8&B<=&7)?F"]<-59CZE+1"[]';DU50IZ1_+_6E.CB;"=.P+BUO'
M?O^4[:9\J58A&9Y\Y;&DM5L\D7S@;K.AE5Q<TC_5!$K?<E7S\W [JCNRK-=L
M?RWP9=V>Z.VKW,XFO,&\HWB<BJR\(+I.TWO?Z0^N/'^YB=ZKY[#<\K>L_D[K
MU2F0]6)__=>+']7X\EIW>]G4W<6EQL3TTU,:TQN2!'(X<OOY\Q]_UI^+8(I+
M E=D1*6*JKZAFH;KI4]5:=, E>E__E:VI:.VX/?<7](?6,YPL#E4.%GLYWQ%
MD,LN>FM1+!'XA+-L,2W2/ O46>^Q81",H/?N-^L#;M9Y):%HOIKHHI\W=4;K
M0O_@^X+W8G TTXM'[WESP;POG@1:<9S#C0B'?IGK]R[I8>P4+G+<,^K<\U]*
MNE$U.T.^68SQ5",QGGLQ^<!G>FA^#$P-'XJ%IR^>M$"=5SCG14Q3;LC_)T.B
MJ(.5./I'E2F.2[DOP$19!'(&!(B@9/A?(10W=K',]Q@;"?BM-$;?,6O)4PE)
MVIB;?5XM:92-&.#%EG]ST<GANU63?D=7Y?MZ5]&]CM#)J")2Q<*_Q'><;H$@
M2<XL6*C\9WHD)[N7^2KCB"0MJXFCQH%5[]!?2,T5G+$BP6OH21M.I]'W@R8K
M)/'7Y!CCK12O<6WSH\Q45V?5U&MS\W"4-,F63>8T[WJ7-P&8D&FXCH.[W-NA
MNJC4.U]G;UR(SZ)A4W&IL[:7AKO,LY)6MB"WB&\!<H*J"]E!F24M0[;MU"VR
M]1[LL [6MI@%Q$;\11L'0VX2#@E;N7GP:2HR'J^RL@MA=G[R;'+.;@Q'V95'
MCB\HR!H)7<BG)@Y2[ZKJY1L'$2,)');%&[K-+NMZ*;.P<6M^@R/W,(O:;K4J
MZ+Y#OG+!<Z>UYL@4/:1HPAQ;2^J27]K60T?=K=HM"UX<E=._T']+)K?MIW)[
MQSMN F])C.F-)(>0ZSWP]>CG2#!08#.7M#.TH--T  4ID8)WAX? NR*)],D%
M74 BC"'E'N]0Y+*JX+U<A\X#NNR/A,Z[C4"[6R?V>755-'4E&L0I&I)=$WF2
MU30^9WIV.Y8SETCW,.@7,V\D,*WE8H#YB%J/DW4 6<PFKXM*P1?SG):LXE'1
MMQ\]?'0V=0&P-(ZU;+)U!FQ_N9?@5# 92?%=TKSSIA<]4RT(#5B/6?\":'E3
MT65^E_093[ZE5:DK7HS3;,F#H"5ZV35T!;;YZ8N*=#8BJG]AC?V2-38;=_E;
MNZ6>Y0PL*NGO'737,QCE^>3\ OE?!:8@E?OL+\_.+95K'ANMVSS3_!3_OLQU
M?@Q&V7 -!C+AG'V.=TN,W&QTH$MO@?]#K&P'EZ$_.K0,B\:2,2]V9?L[?)7S
M=8>MI\.-&_2\N^#\"TG5HRE9?+MJ\G#VS>=BIDA",;]"J')-"WXI(G7V2/ZE
MID3?4I!@),>$2.!:LJI%'"%](G%3)-41N.1D)9\ONI!AHQB8BY8+44LRL)UX
MT\R_GGW]>722&AH[-EU&U.H)H;E S_F+Y\GLX>>3)2VBQ5GQXQ6GQ@>_I8-Z
M]LWLV\^GD[,S6@[YY"OZ@-\L)Q H-O[XT4.&0;')FB_$'Y)5DG4FZ<FT<P:6
MYW1;GZIQ(16K8BBU<"3B<MF/X+1OLF;;5TBL*"J_NY-L0WNU*.1@U]V6CCU/
M-9I"1:5F#1E>#/):FH$IEF%03RV=6."FJFUB;!5<.T0>@6J-HK)!Z/*Q)MK0
MOK(4D;Y;QE!\7:5&T2OYW?:R:):G/+L])X?S1=8RFD.O]H'T0DVI S)9=0TG
M3GBIV3;03]E.J1<+QDZP74 7,N(C-S(S@2 AT\*[.*30#5/"(PGI<)8_<D.\
M7803XVSK>;?/FU:->?;6%_E&@<6*PZL9IL@>/C]>8ZI^$R%46YJ[%3&''5K4
M+80@6-T+7K.MS0#N%_^2QD+33\JER=:OEK0Y-)5P&_AMC?Z!.L#;["TM _DH
M6W=E.7B!_'B:.@[^:'.#F/RR%FC .E.3/F2^-$4QF]RNJ^4]\GPI;M.!)$]A
M2^;+ 4 10D^>,*+IM#\7(I\(I$NTQ5V]MVIYCMZ\S]PT(=MRC=(E+&B4I;ON
M'OCD%]^$;'J0[A.X"R-&PBVHP26&I9SHM>D\N9Q/#QPP^6JPRS).I[5#=UD1
M)FU'BALQ6AYJ9J@O!WBAX\##PP'_FG]U]D15'ED.[H*;)ON[*1F%@MM<7/RE
MIG$0I8]!.PV$\+;;Z %@8:M$/:%Q)X=6LJF[*D)^Z^KBE+,Z4;D-17&*^_2
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MG//W+L.NLFPT=2F'0$MP4+LB!2>PK^NKWC/E]>/OL_.G@S.H:C80KA"VUX#
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MKXG45#Q]@3@SRU16\M"$)RM\6U;B%-F$D<&H=J.%C>HM%_@^7Z,&Z0O1Q"
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M6@U!1YJE<6U'K-FK%&!IO+0.[>5DEP(1V(2^[GM5*,[2D2?PB\@1[=8)?7H
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MSS?P7_\Z!$0D-$BT$O8M^@'^Q8HFFQLJ850MH=(FZN6*S%3:M*QQG">'%]5
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M=,"*]M,!&+&#P\US#@:34CI9N"N;]_NUI8ARCT,AQ>G7533E@[D5:G&+ENV
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MR>B]I@ P6B_>P6GS=9[@;]G[]FPZA-8JA:L("$,9JQ0Y],YWW4CP8XW>9OJ
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M9O> 'ZBE%,US&*=L&.9B2)9[ \X!.-$FXY4C$0XF[&PZ*F7LVVZ7K=:0C:[
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MTQ;!"<WXH I&N9)_F"DOQ9>L'&.;)3WTAOK)?*U^0G N@9=)I*>3K(G%9T)
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MN:9$Q 8KFD!:SB3PM SC17H!8\FGE1=!08B\*JX7ZU3&^V#8WI$[2H80S '
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MKY6H@*!(TOP"A)0G";X1R$/NH=)<I5<=LD66'FH%&ZB\V=@G#7NZK4UW:JH
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M;1D,-F;;)CQ^_5FR(0](&IHF*<DA,TDPDB6MI?66M/3AG[,P0!<L3OQH]+%
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M4-IGO'P2^ZD/UDUUYO3!N&&H[*2\F!B2_# 4$.D.'*34#MBJ"3N*0?]BP$5
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M AZG; C846U;4C25*HIRKS)_TO#L/=N==EZG>M_1DOQ$QJTJU]\(W?9!A;*
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M8CVYA_R!2$E%V^ITWCZL-VF]<"A<OU;!>*]VWR]VSPEV"[V<_ 902P,$%
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M''\7[.ZC-#$3G:RZL$\W"Z[R61!$)%8L BR2VG297 ..- :,<!G'$%.I_&Y
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MV/<!AH(#0J$&/B+<QZ$?0\K;LE:+/#;8'L1YI;KVM-7M.HR;LPE'YJUE_IV
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M\&Z/.S#V>Y/;I7__\)[7*%47)'[.O^39S\3(GT50!Y)'"DC*(H#+>SQ2J0/
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M?B?.S*.3%YMGDM5]QT]>_ ]02P,$%     @  8)B59;?#;&?!@  TS   !0
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MZ-Z"/]CY+U!+ 0(4 Q0    (  &"8E6V7ZHK2\T  .S?"@ <
M  "  0    !A,#DS,#(R97AH:6)I=#DY<3,R,#(R97(N:'1M4$L! A0#%
M  @  8)B50+/6RC+%0  EZ4  !               ( !A<T  &UT9RTR,#(R
M,3$P,BYH=&U02P$"% ,4    "  !@F)55V7!MV8"  !?!P  $
M    @ %^XP  ;71G+3(P,C(Q,3 R+GAS9%!+ 0(4 Q0    (  &"8E4RZQZ@
M<@H  $5>   4              "  1+F  !M=&<M,C R,C$Q,#)?;&%B+GAM
M;%!+ 0(4 Q0    (  &"8E66WPVQGP8  -,P   4              "  ;;P
L  !M=&<M,C R,C$Q,#)?<')E+GAM;%!+!08     !0 % $H!  "']P     !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
