1044566--2/21/2007--CNA_SURETY

related topics

{capital, credit, financial}

{debt, indebtedness, cash}

{cost, contract, operation}

{loss, insurance, financial}

{cost, regulation, environmental}

{system, service, information}

We may not be able to collect amounts owed to us by reinsurers. We rely upon affiliated companies that we do not control to conduct certain aspects of our business. Rating agencies may downgrade their ratings for us or for affiliated companies that we rely on to write business. This would adversely affect our ability to write business. Demand for our products is created by laws that could be changed. We are subject to capital adequacy requirements and, if we do not meet these requirements, regulatory agencies may restrict or prohibit us from operating our business. Our insurance subsidiaries, upon whom we depend for dividends and advances in order to fund our working capital needs, are limited by state regulators in their ability to pay dividends.

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1044566--2/21/2007--CNA_SURETY_CORP