hi jossette
sorry i didn't explain the investment income - what I assumed was a 6% increase on 2012. they made 3.9% on their shareholders investment income, so I was assuming 4.1% for 2013. So $425M -> $450M. I noted in the report that they flag a greater allocation into equities going forward - could be good... or bad.
2013 earnings expectation, page-4
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