Argo Group International 10K 2007 Annual report | ARGO-PA Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. sophomore Bad

New words: AAM, abroad, absorb, accessing, accomplished, accustomed, acquiree, ADC, adhering, advice, affiliated, aforementioned, AGII, Allan, alleviate, annuitized, Antonio, appetite, apportioned, Apportionment, ARB, artisan, attestation, auditor, automobile, backup, bankruptcy, Barbara, bargain, Berry, biological, black, blend, bodily, body, bona, bookkeeping, border, brand, British, broaden, broader, BSCR, Bufkin, bulk, Bureau, Bush, buyer, Byron, Canadian, capture, carrier, carryback, carryforward, cast, catering, CCC, CCML, CCP, CCPII, CCPIII, Central, Century, certified, certify, charitable, chemical, Chicago, Chuck, citizenship, climate, coal, Colony, column, companiesor, competitor, Complaint, complementary, condominium, confidence, confidential, confidentiality, confirmed, constant, contamination, contrary, convenience, country, coupled, coupon, covariance, Crawford, Creation, crime, curve, custody, customary, cycle, DAC, daily, Dale, Danish, David, de, death, decade, deceleration, defect, deny, destruction, diagnosed, disability, disbursed, discovered, disease, disproportionate, dispute, disputed, dissimilar, distinct, distinction, distinguish, distressed, doctrine, downstream, drew, dry, easily, econometric, educator, effort, elapsed, encountered, endeavor, ensure, enterprise, entirety, entry, environmental, equipment, Ernst, erosion, factual, Fayez, fide, flagged, flux, food, foreclosure, forfeit, forfeiture, forma, forthwith, fractional, frame, Frank, Front, frozen, fulfill, Fulkerson, furniture, FX, gap, Gary, gauge, gave, goodwill, graph, greatly, Gregory, grocery, guided, hard, Hartoch, Haushill, HCC, health, healthcare, heightened, hindered, home, hospitality, housing, Houston, HR, hypothetical, inaccurate, inappropriate, incidence, incidental, inclusion, inclusive, incomplete, incurrence, inflow, informationon, infrastructure, inhibit, injured, injury, inland, inmate, input, Insider, inspector, installation, intangible, Intervention, intrinsic, introduced, introducing, investmentuntil, involuntary, isolated, itspro, IX, join, Jr, judge, KILN, krone, labeled, LAE, lag, language, latent, leflore, legacy, legislature, lessor, lifetime, likewise, linen, loan, lockup, longevity, lowest, LP, LTIP, lung, macroeconomic, mailing, malpractice, manifesting, manmade, manual, Maresh, meant, medical, Menlo, methodology, mid, mining, Minnear, mirroring, misappropriate, mixture, monoline, mortality, narrower, nationwide, NBCR, nearest, network, noncontrolling, nonredeemable, Northwest, nuclear, NYSE, obligor, observed, observing, occupied, offense, official, Ohio, older, open, opened, opening, Oregon, outflow, overhead, owner, package, page, paint, pair, parallel, Park, payoff, payout, Pembroke, penetrate, Peoria, peripheral, philosophy, physician, Pilkington, PO, policyholder, population, Portland, premised, prescription, presence, pressure, presumption, prime, proforma, propensity, properly, protracted, quantity, quickly, RAA, radioactive, radiological, rapid, ratably, ratashare, RBC, reacquired, Reauthorization, recordeda, redomesticated, redomestication, Redwood, Reform, refund, regimen, rehabilitation, reimburse, reimbursement, reinsurerswith, remarriage, remittance, render, rental, repaid, repealed, repeat, repeatedly, repricing, reputation, requisite, research, residential, resignation, resigned, restorative, retail, retrospective, retrospectively, Richmond, Road, Rockwood, rounded, Royal, safeguard, San, Sarofim, satisfaction, school, seller, Senate, servant, shopping, shortfall, shuttle, skilled, SNL, societal, sorted, sound, span, spectrum, spend, spread, staffing, standing, statewide, static, stationary, statutorily, storage, store, stream, streamline, strictest, strike, stringent, subsection, subsidiariesmay, substance, successor, sue, sued, surety, surrender, surrendered, survival, surviving, susceptible, suspend, suspended, Swett, tabular, tailored, talent, taxpayer, TaxProtection, technology, Teledyne, telephone, temporarily, thirty, ticker, tier, tightly, tort, traditionally, trained, transportation, travel, Trenwick, TRIA, Trident, tuition, turnover, umbrella, unallocated, unamortized, unattractive, unaware, unconsolidated, undercapitalized, underground, understated, understood, underwater, unexpected, unforeseen, unfunded, unintended, unissued, unrecorded, unregistered, unregulated, unsecured, unutilized, unwilling, unwinding, upgraded, urged, Utah, variance, variation, verify, version, Vezzosi, VII, VIII, Virginia, vulnerable, wage, waiting, Watson, weather, Weaver, wholesale, wording, worker, worse, worsened, worst, writedown, writer, yearly, yen, Young

Removed: absolute, accentuated, accepting, accredited, accrue, accuracy, administering, advantage, aerospace, age, airline, airplane, alter, alternative, amalgamation, amounted, amounting, analytical, announcement, annualized, Aon, arbitration, arranged, Asia, Asian, attained, attempted, attendant, attractive, Australia, aviation, background, backlog, Belgian, Benfield, bid, broker, Bruce, calling, cancel, Caribbean, Carpenter, channel, Charley, CISDM, clash, classify, client, cliff, coast, collapse, Colombia, combine, commenced, Commissioner, commute, comparative, compensated, complementing, composition, conclude, conference, consumed, consummated, Continental, contractually, contrast, convention, convert, correlate, covering, craig, crash, cruise, cyclicality, Daly, decided, deconsolidating, deducted, defaulting, define, departmental, Departure, depicted, description, desirable, detected, deteriorated, dilution, disapprove, discretionary, displayed, diversity, dividing, dramatically, dynamically, earthquake, East, emanated, emanating, enforceability, entailed, European, eventual, eventually, exacerbated, examine, executing, exhaustion, exit, expanded, explore, expose, exposing, extrapolate, extrapolation, faced, faith, fallen, familiar, fell, fewer, fiduciary, forming, fraudulent, French, gainful, George, gerald, Greig, Guy, head, Hengesbaugh, hereof, huff, hull, illiquid, implied, improper, inadequacy, inapplicable, incorporation, increasingly, incremental, infrequency, infrequent, instance, intermediary, internationally, Internet, issuable, itemized, Ivan, Jeanne, jeopardize, joint, kind, KPMG, Latin, launch, Legion, Lehman, lending, lesser, leveraged, liquidate, liquidating, LMC, Lothar, Luscombe, manufacturer, Mariner, Marsh, Martin, matured, maturing, McLennan, Mexico, mezzanine, modin, Monday, monitored, Mutual, NAIC, negotiate, negotiated, neutral, nominate, North, notified, NW, occupation, oil, optimization, optimize, overallotment, overdue, oversee, overview, parental, parenthetically, participating, perception, permission, perspective, pertinent, Phoenix, phone, practicable, predicting, predominant, preference, preparing, presenting, pretax, prevented, probabilistic, prompt, prone, pronouncement, proportional, Puerto, ranked, ratified, reached, readily, realignment, reallocate, recapitalization, reclassification, rectified, reexamine, reflecting, reliance, relieve, remained, remeasured, rent, repatriated, reposition, representation, repurchase, repurchased, restriction, retainer, retrocedent, retroceding, reversed, revise, Rico, rig, riot, robert, salary, SAP, Sard, satellite, scale, science, season, selectively, selling, sensitive, shifting, ship, Similarly, slower, soft, speak, Specimen, statistically, subscribe, subscribing, subscription, succeeding, suffered, sufficiently, summarize, supplied, tactical, tapping, tender, territory, thinly, tolerable, tornado, track, transferor, true, Tully, unavailable, underestimated, underperformance, underpricing, understand, undue, unexpired, unlawful, unmodeled, unprecedented, unusual, usage, vandalism, venture, Verbinnen, vice, viewed, voluntarily, weakly, week, Wendy, West, world, XOL, zone

	Years Ended December 31,
(in millions, except ratios)	2007		2006		2005		2004		2003
Earnings:
Income from continuing operations before provision
for income taxes and extraordinary item	$	119.8	$	163.0	$	81.5	$	60.7	$	135.3
Add:
Fixed charges		23.7		16.4		21.0		16.9		13.3
Total earnings	$	143.5	$	179.4	$	102.5	$	77.6	$	148.6
Fixed charges
Interest expense, net	$	21.0	$	13.0	$	15.0	$	11.0	$	8.4
Preferred stock dividends		0.1		1.5		3.4		3.8		2.8
Rental interest factor		2.6		1.9		2.6		2.1		2.1
Total fixed charges	$	23.7	$	16.4	$	21.0	$	16.9	$	13.3
Ratio of earnings to fixed charges		6.1:1		10.9:1		4.9:1		4.6:1		11.2:1

Argo Group International (ARGO-PA) 10-K2007 FY Annual report

Content analysis