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(Click for frequent words.) 62 Terrorism Risk 57 NBCR 50 NFIP 50 NYPIUA 48 COBRA subsidy 48 SAFETY Act 47 PATRIOT Act 47 CFATS 47 Patriot Act 46 McCarran Ferguson Act 46 Program NFIP 46 NCOIL 46 property catastrophe reinsurance 45 FDAAA 45 IIABA 44 USA PATRIOT Act 44 McCarran Ferguson 44 Medicare Modernization Act 44 COBRA 44 Assault Weapons Ban 43 Mental Health Parity 43 Affordable Care Act 43 insurers 43 Multiple Peril Insurance 43 NICS Improvement Act 43 PL #-# [001] 42 PPACA 42 Enumerated Powers Act 42 USA Patriot Act 42 S.# [002] 42 EGTRRA 42 insurance 42 Program Reauthorization Act 42 Patent Reform Act 42 Worker Homeownership 42 Stupak Pitts Amendment 42 AHPs 42 Nonadmitted 42 FSC ETI 42 Wynsure 41 reinsurance 41 Congressional Budget Office 41 Homebuyer Tax Credit 41 Arbitration Fairness Act 41 Greenlight Re selectively 41 Combating Autism Act 41 Telework Enhancement Act 41 reauthorizing SCHIP 41 Medmarc 41 America COMPETES Act 41 CLASIC 2 41 PCIP 41 SCHIP 41 COMPETES 41 PASS ID 40 Project Bioshield 40 Cybersecurity Enhancement Act 40 GSEs 40 Reinsurance Reform Act 40 CIR ASAP 40 Home Affordable Foreclosure 40 HIRE Act 40 Emergency Economic Stabilization 40 Hiring Incentives 40 Facility Anti Terrorism 40 Continuing Resolution 40 TARP 40 Gramm Leach Bliley Act 40 FATCA 40 REAL ID Act 40 MILC program 40 FAA reauthorization 40 statutory PAYGO 40 insureds 40 LTCi 40 Invents Act 40 SCHIP reauthorization 40 FISA Amendments Act 40 antiterrorism Patriot Act 40 Liability Risk Retention 40 FHCF 39 Reduce Unnecessary Spending 39 Unemployment Compensation Extension 39 Defund ACORN Act 39 COBRA continuation 39 AUMF 39 Clinger Cohen Act 39 LTCI 39 catastrophe reinsurance 39 Tax Reform Act 39 RESTORE Act 39 Sponsored Enterprises 39 ESSB 39 MHPAEA 39 HR.# 39 Personal Injury Protection 39 InsureWorx 39 DirigoChoice 39 Property Casualty Insurance 39 NBCR risks 39 Standards CFATS 39 Consolidated Omnibus Budget 39 VBID 39 casualty insurers 39 Commodity Futures Modernization Act 39 Fostering Effective Technologies 39 reauthorize SCHIP 39 NAII 39 Flood Insurance 39 Discoverture 39 monoline 39 Risk Retention Groups 39 CBO 39 reinsurers 39 Safe Accountable Flexible 39 Omnibus appropriations 39 HR3 38 Professional Indemnity 38 Project BioShield Act 38 Insurance VPI 38 DSHEA 38 Stupak Pitts amendment 38 Credit VEETC 38 Guy Carpenter 38 FISA 38 Dirigo Choice 38 preexisting condition 38 Jimi Grande 38 MCare 38 Trip Cancellation 38 AMT patch 38 Violent Radicalization 38 Dodd Frank 38 BABs 38 MCARE 38 Stupak Amendment 38 VIST Insurance 38 S.# [003] 38 Ranking Member Snowe 38 Commercial Advertisement Loudness 38 Liability Insurance 38 Mortgage Forgiveness Debt 38 JGTRRA 38 NASPER 38 Competes Act 38 Surety Bond 38 ADA Amendments Act 38 AIDP 38 Physician Payments Sunshine 38 ObamaCare 38 FAA Reauthorization Act 38 doc fix 38 FEHBP 38 Insurer Claims 38 IHCIA 38 Paperwork Mandate Elimination 38 Project BioShield 38 professional indemnity 38 AgJOBS 38 EESA 38 Combating Online 38 VEETC 38 FHA 38 Act EESA 38 TLGP 37 JUA 37 CongressDaily reports 37 Bayh Dole 37 Intelligence Authorization 37 Tax Extenders Bill 37 FAA Reauthorization 37 Bankruptcy Reform Act 37 Solvency II Directive 37 Praetorian Financial 37 Military Readiness Enhancement 37 ACESA 37 SCHIP reauthorization bill 37 Hyde Amendment 37 healthinsurance 37 partisan Congressional Budget 37 severability clause 37 reauthorization 37 NOL carryback 37 Chartis 37 Tax Extenders Act 37 Grandfathered Plans 37 AMT 37 shortchanged civil liberties 37 EMPLOYER RESPONSIBILITY 37 Legislation reauthorizing 37 NAHU 37 Telework Improvements Act 37 Home Affordable Refinance 37 Obamacare 37 Post-#/# Veterans Educational 37 PIANY 37 A.# [001] 37 Mcare abatement 37 FHA modernization 37 Troubled Asset 37 Ternian 37 SustiNet 37 H.Res.# 37 grossly underinsured 37 Credit Cardholders Bill 37 Doc Fix 37 Senator Snowe 37 emergency supplemental appropriations 37 Assurant Solutions 37 preexisting conditions 37 Critical Illness 37 Genetic Information Nondiscrimination 37 AgJobs bill 37 reauthorized 37 HUD OIG 37 SurePower Innovation 37 RapidSure Policy Administration 37 Monoline 37 Activity Tax Simplification 37 casualty reinsurance 37 Job Creation Act 37 NAIC 37 WRDA bill 37 RRGs 37 GoHealth Workplace 37 SCHIP Extension 37 sponsored enterprises GSEs 37 Companies ACIC 37 Admin Re 37 Lawful Commerce 37 Castle DeGette 37 Munich Re 37 Medicare 37 Extended Unemployment Compensation 37 Habeas Corpus Restoration 37 Dickey Wicker amendment 37 Medicare Secondary Payer 37 CFTC Gensler 37 AIG Excess Casualty 37 Professional Liability Insurance 37 reauthorize 37 HSA compatible 37 HITECH 37 SAFETEA 36 sunsetted 36 Increased Accessibility Act 36 Liability Coverage 36 ABX1 1 36 NYSE FNM PRM 36 Cohn CongressDaily 36 carryback 36 OneShield Dragon 36 InsPro Enterprise 36 Protecting Tenants 36 Increasing Adoptions Act 36 COBRA Subsidy Extension 36 IVANS 36 HITECH Act 36 Reinsurers 36 Medicare Advantage 36 Act ENDA 36 detariffing 36 JPDO 36 FAA reauthorization bill 36 FHA Refinance 36 Restore Employment HIRE 36 CDHP 36 ARMtech 36 KETRA 36 RIMS Benchmark Survey 36 H.Res [002] 36 Hatch Waxman 36 Homesite Insurance 36 Gramm Leach Bliley 36 policyholder 36 biogenerics 36 Economic Stimulus Act 36 Secure Fence Act 36 Starr Indemnity 36 Fac Re 36 COMPETES Act 36 AIR Worldwide Corporation 36 COBRA subsidy eligibility 36 PA DSS PABP 36 MajescoMastek 36 AmerInst 36 PacificSource 36 reauthorizing 36 NLASCO 36 UniRisX 36 USA PATRIOT ACT 36 Grandfathered plans 36 Commercial Advertising Loudness 36 Restore Employment 36 PIFC 36 Obstruct Terrorism Act 36 Homegrown Terrorism Prevention 36 Qatarlyst 36 CastlePoint Re 36 WMD Proliferation 36 Section #I 36 Fund FHCF 36 Motor Vehicle Owners 36 Comparative Effectiveness Research 36 iVOS 36 casualty insurance 36 TTIC 36 HumanaOne 35 Professional Liability 35 COBRA coverage 35 MTBE liability 35 PAYGO 35 Terrorist Expatriation Act 35 repealing ObamaCare 35 Export Enhancement 35 EPAct 35 Terrorist Attacks Upon 35 InsurCard 35 ACORD standards 35 SIFMA 35 PERILS 35 Act VAWA 35 HAMP 35 Swiss Re Capital Markets 35 reinsurer 35 Broadspire 35 HealthierUS Initiative 35 swift enactment 35 Economic Stabilization Act 35 CATRADER 35 PXRE 35 Insure Missouri 35 Radian Asset Assurance 35 Addiction Equity 35 Lawsuit Abuse Reduction 35 Physician Payment 35 Swiss Re 35 CrisisResponse 35 detariffed 35 advanceable 35 Rescissions 35 AAPPO 35 DISCLOSE Act 35 PIANJ 35 AALTCI 35 Guidewire Insurance 35 GPhA 35 Pfandbrief 35 PRJ NYSE FNM PRF 35 FINEOS Claims 35 Lung Cancer Mortality Reduction 35 SBIR STTR Reauthorization Act 35 Aon Benfield 35 Stephan Christiansen 35 expedited rescission 35 EPCRS 35 Ben Cardin D-Md. 35 NSPD 35 Medi CareFirst 35 IRTPA 35 Emergency Unemployment Compensation 35 ROVNER 35 Insure Oklahoma 35 FDA Modernization Act 35 A.M. Best 35 giant Fortis NV 35 FINSA 35 Medicare Catastrophic Coverage 35 Tobacco Buyout 35 ACLI 35 CHIP reauthorization 35 cramdown 35 PFREA 35 Pecquet 35 Single payer 35 sweeping antifraud 35 Lloyd syndicates 35 sunset clauses 35 Hometown Heroes Survivors 35 antitrust exemption 35 Norman CQ HealthBeat 35 SoFFin 35 Sword Intech 35 WR Berkley 35 No Lapse Guarantee 35 Physical Damage 35 Hurricane Catastrophe Fund 35 Birthright Citizenship Act 35 homebuyer tax 35 securitize mortgages 35 Kyl Cornyn 35 Troubled Asset Relief Program 35 eRisk Hub 35 nongroup 35 Glass Steagal Act 35 Antiterrorism Law 35 Excess Casualty 35 COBRA subsidies 35 nonstandard automobile 35 Affordable Choices 35 Conning Research 35 Casualty Actuarial Society 35 Congresswoman Waters 35 RLI specialty 35 NYIA 35 assignee liability 35 HEALTH INSURANCE 35 USI Affinity 35 America COMPETES Reauthorization 35 nonadmitted insurance 35 i aXs 35 COBRAGuard 35 Patient Protection 35 Glass Steagall 35 PREVU x LT 35 S CHIP 35 lapsation 34 OMIG 34 Insurance Legislators NCOIL 34 Employer Provided 34 Schip 34 GAMC 34 IowaCare 34 Newborn Screening Saves Lives 34 CARFA 34 Saver Credit 34 Employee Verification 34 reauthorizations 34 Dickey Wicker Amendment 34 retroactive immunity 34 Industrial Hemp Farming 34 nonadmitted 34 Efficiency Act ISTEA 34 FOIA exemption 34 Clinger Cohen 34 HJ Res 34 Aon Re 34 Merkley Levin 34 CDHPs 34 OneChoice 34 IPAB 34 Specialty Crop Competitiveness 34 NASA Authorization 34 Hiscox Bermuda 34 Magnuson Stevens 34 AgJobs 34 Dietary Supplement Health 34 FHFC 34 Guidewire PolicyCenter ® 34 multiperil 34 WCIRB 34 User Fee Act 34 repeal ObamaCare 34 actuarially equivalent 34 HR# [003] 34 Temporary Liquidity Guarantee 34 MedAmerica 34 NAICO 34 AdminServer 34 HSAs 34 Travel Insured 34 Partial Birth Abortion Ban 34 PPO POS 34 Chief Executive Robert Benmosche 34 Bayh Dole Act 34 Price Gouging Prevention 34 Hannover Re 34 Patriot Act reauthorization 34 Uni Ter 34 MMIFF 34 Reauthorization 34 XL Reinsurance 34 GSE MBS 34 XL Insurance 34 FAFLIC 34 CNA HealthPro 34 Colby Itkowitz CALL 34 Deficit Reduction Act 34 Paycheck Fairness Act 34 AIR Worldwide AIR 34 retrocessional 34 Tax Extenders 34 insurer 34 de Rugy 34 FHA Modernization Act 34 Ms. Ignagni 34 EQECAT 34 SponsorMatch 34 FHA Modernization 34 AVMA GHLIT 34 Paul Wellstone Mental 34 Reauthorizing 34 Prescription Assistance Programs 34 Physhield 34 Magnuson Stevens Act 34 Monte Carlo Rendez Vous 34 Drug Administration Amendments 34 USA PATRIOT 34 Conventus 34 Travel Restriction 34 HOLC 34 Dorgan Snowe 34 TEUC 34 Accenture Claim Components 34 NRRA 34 HDHPs 34 TBTF 34 Woolhandler 34 S. #/HR [002] 34 STG Billing 34 SeniorCare 34 Flexible Spending Accounts 34 insured 34 Uninsured Motorist Coverage 34 Florida Hurricane Catastrophe 34 CIAB 34 Solvency II directive 34 PIP 34 AIG 34 Lawyers Professional Liability 34 MAIF 34 Insurance Underwriting 34 Catherine Stagg Macey 34 Financial Stability Plan 34 Lebensversicherung 34 constitutional amendment SJR 34 TASE SPNS 34 LRRA 34 PDUFA Prescription Drug 34 CPFF 34 FIO 34 MBIA Insurance 34 Property Casualty Insurers 34 IncomeFlex 34 Radian Asset 34 CARD Act 34 Ansvar 34 collateralized reinsurance 34 TruExposure 34 ILWs 34 & Specialty AGCS 34 Thomas V. Cholnoky 34 involuntarily terminated 34 Terrorism Prevention 34 AutoOne 34 comparative effectiveness 34 Fireman Fund 34 TMLT 34 Swiss Re sigma 34 Beecher Carlson 34 OTC derivatives 34 Guidewire ClaimCenter ® 34 Livestock Indemnity Program 34 self insured retentions 34 Transax 34 sunset clause 34 CFPA 34 AB8 34 terrorist attacks 34 granny cam 34 Homeowner Exemption 34 Education Affordability Reconciliation 34 Monolines 34 Heil CongressDaily 34 TitlePLUS 34 grandfathering provisions 34 PLAD 34 BY CORY REISS 33 windstorm deductibles 33 loss carryback 33 SCHIP Reauthorization 33 FAIR Plan 33 bipartisan bicameral 33 Crop Insurance 33 GLBA 33 Unemployment Insurance Reauthorization 33 INSURANCE MANDATE Like 33 Lame Duck session 33 monolines 33 NCOIL model 33 Whistleblower Protection Enhancement 33 Omnibus Budget Reconciliation 33 H 1B visa 33 Milk Income Loss 33 Mary Bono R-Calif. 33 policyowner 33 IFS ratings 33 reauthorizes 33 Captive Insurance 33 SGLI 33 TravelGuard 33 Securitization 33 Ironshore 33 Hubzone 33 Rasameel 33 Swiss Re RUKN.VX 33 UNAMA mandate 33 Critical Illness Insurance 33 Assurant 33 civil liberties protections 33 Mary Landrieu D-La. 33 ADAAA 33 TARP Troubled Assets 33 Homeland Security Appropriations 33 CaliforniaChoice 33 ACE Tempest Re 33 NREIS 33 Hinchey Rohrabacher amendment 33 Tiahrt amendment 33 Allianz SE 33 professional indemnity PI 33 CALM Shoulder Screen 33 OneBeacon Professional Partners 33 CIFG 33 Lifespan Respite Care 33 Supports CLASS 33 Copay 33 Sustinet 33 Exigen Insurance Solutions 33 TSCA 33 rescissions 33 Medicaid Extenders 33 Passenger Rail Investment 33 Mr Makove 33 Navigators Specialty 33 troop withdrawal deadlines 33 multiemployer plans 33 Stem Cell Therapeutic 33 Vasean Law 33 Disruptive Activities Prevention 33 professionals NAMIC dailyLead 33 Personal Lines 33 Sens. Arlen Specter R-Pa. 33 Frank Pallone DN.J. 33 FSOC 33 HEMAP 33 Emergency Supplemental Appropriations 33 policyholders 33 CCH INSURANCE SERVICES 33 ABCP conduits 33 Property Casualty 33 Cramdown 33 Terrorist Threat Integration 33 SHVERA 33 Orderly Growth Initiative 33 Jeff Flake R Ariz 33 IOMA 33 Supplemental Appropriations Act 33 WholesaleInsurance.net 33 DTRIC 33 enhanced interrogation techniques 33 Medicare prescription 33 TUFS 33 Opsommer 33 Baucus Grassley 33 DEPB scheme 33 Covered Bond 33 TOBs 33 modernize FISA 33 SPY ACT 33 policyholder surplus 33 MHPA 33 NAT GAS Act 33 antithrombotic therapy 33 PowerGuard 33 AccessTN 33 PRAs 33 FMLA 33 Omnibus Appropriations Act 33 ECIE 33 Act S.# [002] 33 FSIA 33 Congress reconvenes 33 Accountable Care 33 AIR Worldwide Corp. 33 Clean Water Restoration 33 nonelderly 33 Patient Self Determination 33 Syncora 33 IGREA 33 chairwoman Sen. Dianne 33 Freedom Ensured Act 33 Single Payer 33 Obstruct Terrorism 33 Symbility Solutions automates 33 Castek 33 spokesman Steve Adamske 33 regulate payday lending 33 LTCG 33 lifetime maximums 33 Proformance Insurance 33 Head Start reauthorization 33 reinsurance broking 33 Actilyse overseas 33 Congressional Budget 33 Novantas LLC 33 Lifetime Savings Accounts 33 institutionalize bailouts 33 Nunn Lugar 33 FEDVIP 33 Converium 33 ETHA 33 PROTECT IP 33 AutoClaims Direct 33 H. Res 33 Annotti 33 NOPR 33 sunsetting 33 GSE 33 Arensmeyer 33 FGIC 33 ABCP conduit 33 Deerbrook ® Insurance 33 NYSID 33 HUBZone Empowerment Contracting 33 de tariffing 33 HIPAA Privacy Rule 33 insurable 33 PLIC 33 ENDA 33 Illegal Immigration Control 33 Acquisition Streamlining 33 Terrorist Surveillance 33 central counterparties CCPs 33 ACUITY 33 monoline bond 33 CDPCs 33 Berglin 33 Career Intern 33 cybersecurity czar 33 bipartisan 33 mortgage cramdown 33 insurer Cigna 33 Commodities Futures Modernization Act 33 Mr. Mathas 33 Disclose Act 33 UIGEA 33 Ergo Versicherungsgruppe AG 33 FRAC Act 33 Universal Underwriters 33 SUNRx 33 Project Bioshield Act 33 MICRA 33 NAIFA 33 Capper Volstead Act 33 Hate Crimes Prevention 33 defund ObamaCare 33 CFIUS 33 Encompass SM 33 Volumetric Ethanol Excise Tax 33 edgeConnect 33 #st Century Nanotechnology 33 OTCBB VSUR leading 33 Guidewire ClaimCenter 32 Balanced Budget Amendment 32 FAA Reauthorization bill 32 INSTEC 32 Bioterrorism Act 32 Combating Child Exploitation 32 BUDGET DIRECTOR Peter Orszag 32 nonprofit co ops 32 underwrites specialty 32 Reinsurance 32 H1B visa 32 Biotech Yield 32 PipelineClaims 32 MDUFMA 32 trans inclusive ENDA 32 PIACT 32 CongressDaily 32 Biotech Yield Endorsement 32 Fannie 32 Closing Tax Loopholes 32 nonbank financial 32 NTAS 32 reauthorised 32 systemically risky 32 TIPRA 32 Health Savings Accounts 32 Unborn Victims 32 actuarially justified 32 adultBasic 32 Recess appointments 32 SUA Insurance 32 Medigap 32 Insurance Facility CCRIF 32 Tiahrt Amendment 32 CQ HealthBeat reports 32 Foreclosure Prevention Act 32 securitizer 32 REAL ID 32 AccuQuote.com 32 Solvency II 32 insured depository institutions 32 CAFA 32 redefaults 32 consultant Robert Laszewski 32 HECM Saver 32 Identity Theft Penalty 32 Assurant Health 32 Joseph Annotti 32 Ron Wyden D-Ore. 32 PCAST 32 FirstBest ® 32 Reichard CQ HealthBeat 32 insurers reinsurers 32 Terrorist Surveillance Program 32 Senator Akaka 32 AIRMIC 32 Health HITECH Act 32 reauthorisation 32 defund Obamacare 32 Posse Comitatus 32 Activase 32 Deerbrook ® 32 Joshua Omvig suicide 32 Sapiens INSIGHT TM 32 Subtitle B 32 HDI Gerling 32 CEO Edward Liddy 32 Insureds 32 Mikulski amendment 32 reauthorize PEPFAR 32 Unfunded Mandates Reform Act 32 Patient Centered Outcomes 32 reinsurance Hannover Re 32 Stupak amendment 32 Hate Crimes Legislation 32 Matthew Josefowicz 32 watchlisting 32 Benefit Informatics 32 OneBeacon specialty 32 Rental Purchase Agreement 32 ISO HomeValue 32 SLHCs 32 GFSR 32 Healthy Forests Restoration 32 guaranty 32 Dianne Feinstein D-Calif. 32 SGR formula 32 Homebuyer Credit 32 SBIR 32 DICT 32 PATRIOT ACT 32 roving wiretaps 32 NAPSLO 32 FACTA 32 reauthorize NCLB 32 MassHealth Medicaid 32 Bermuda reinsurers 32 insurable crops 32 STTR 32 GPPs 32 OLDWICK NJ Business Wire 32 Professor Kotlikoff 32 Liability Reform 32 Anabolic Steroid Control 32 paygo rule 32 retroactive immunity provision 32 TAA 32 Human Cloning Prohibition 32 Voluntary Benefits 32 OBPI 32 Volcker Rule 32 warrantless wiretapping program 32 TFN NEWS BRIEFING Banking 32 Assurant Specialty Property 32 Miscellaneous Tariff Bill 32 Deerbrook R 32 Medical Assistance Percentages 32 SelectCare 32 ATPDEA 32 Childhood Vaccine Injury 32 Act MTSA 32 TriZetto Advantage 32 RFRA 32 legislation 32 Seiberg 32 nonpartisan Congressional Budget 32 CPCU Society 32 FIGA 32 restarted Knocke 32 indexed annuity 32 Medicare Prescription Drug 32 RAAs 32 Student Non Discrimination 32 Healthcare Reform 32 Surface Transportation 32 William Wilberforce Trafficking Victims 32 Sarbanes Oxley 32 STRIVE Act 32 CareGain 32 Subrogation 32 Gramm Rudman Hollings 32 UIM coverage 32 Mcare 32 Irda 32 Surface Transportation Authorization 32 HSA HDHP 32 Fannie Mae Freddie Mac 32 repealer 32 Pete Stark D-Calif. 32 Employers Liability Compulsory 32 FAA Reauthorization Bill 32 MediCare International 32 monoline insurer 32 severability 32 gunmaker immunity bill 32 HDHP 32 windpool 32 insurnace 32 HERAE 32 Wyden Snowe 32 HAMP Loan Modification 32 HCRA 32 AmWINS Group 32 SUNZ 32 Recommendations Implementation 32 reinsured 32 Talbot Underwriting 32 Stupak Pitts 32 Everest Re 32 bailout 32 MMSEA 32 castle doctrine 32 MILC 32 Defense Authorization 32 Intellect SEEC 32 retroactivity clause 32 CCorp 32 regulator Eric Dinallo 32 ERISA 32 Title VIII 32 Healthy Forests Initiative 32 TANF Emergency 32 Angiox ® 32 Medicare Supplement 32 VisuMax 32 single payer 32 Act S.# [001] 32 enactment 32 Secure Flight 32 guaranty associations 32 Bicycle Commuter Act 32 progressive indexing 32 Individual Mandate 32 Snowe 32 broker Lockton 32 PUHCA 32 SOLCORP 32 CNS Response website www.cnsresponse.com 32 Omnibus Appropriations Bill 32 LWCF 32 Financial Stability Improvement 32 mediclaim 32 Investment Alternative QDIA 32 Rivlin Domenici 32 TWIA 32 fin reg 32 VAWA 32 PPO HMO 32 FMAP extension 32 Pfandbriefe 32 FinReg 32 League ASBL 32 USAble Life 32 Urix 32 Counterfeits Act COICA 32 FDIC Bair 32 Benepath 32 E Verify 32 Anti Terrorism Crime 32 Congressman Sensenbrenner 32 nonrenewals 32 GRATs 32 PAMTA 32 PAYGO rules 32 Dirigo Health 32 XLIF 32 Stop Arming Iran 32 Innovent Oncology 32 Insurance Commissioners NAIC 32 surety bonding 32 CIFG Assurance North 32 Inc. NYSE TRV 32 AGR Lite 32 Distracted Driving Prevention 32 ETAAC 32 Embrace Pet 32 Laura Tobler 32 Omnibus Spending Bill 32 Lumenos 32 Identity Theft Protection 32 Nonqualified 32 accounts HSAs 32 Physician Payments 32 Innocence Protection 32 FDICIA 32 barrier Calonge