For example, suppose an insurance company, ABC Life, gets 1000 new customers in one year. the applicable order for such Server is cancelled), (b) that remains installed in a DIR Customers Production Environment following the end of its applicable sixty (60) month payment period (except as expressly provided in this Section below) or (c) that is not dedicated to use by DIR or DIR Customer except to the extent otherwise agreed, subject to DIRs responsibility to pay cancellation fees as set forth below. *On January 1, 2019 Sompo International adopted International Financial Reporting Standards ("IFRS"). Gross net written premium income (GNWPI)isthe dollar amount of an insurance companys premiums that are used to determine what portion of premiumsis owed to a reinsurer. The exact definition of GWP "Gross Written Premium" is often shrouded in mystery. It is an important number to know when choosing plans. Gross premium is the amount expected to be received by the insurer over the life of the policy term. Additionally, motor vehicles, and. The latter went from 338.8 bn SAR (10.3 bn) in 2020 to 42 bn SAR (11.2 bn) in 2021. It gives an indication of the level of sales for risks that the company retains for itself. The parties agree to the reinsurance rate premium percentage that will be applied to the base premium, and whether the base premiumalso called the subject premium or underlying premiumwill be calculated using earned or written premiums. The Croatia Osiguranje insurer posted the highest amount of gross written premiums and held 24% of the market. Following the transaction, Howden Iberia hopes to generate more than 100 million ($106 million) in income, 700 million in gross written premiums and employ over 1,000 staff. This metric is commonly presented as the top line for long-term contracts in a life business income statement (for example, Gross Written Premiums or GWP). This is on policies that are given out by an insurance company over a certain period of time. She most recently worked at Duke University and is the owner of Peggy James, CPA, PLLC, serving small businesses, nonprofits, solopreneurs, freelancers, and individuals. Learn what it takes to establish a successful captive insurance companyone The Christian Tesfaye GebreMariam on LinkedIn: Abay Insurance outshines its profit targets - Capital Newspaper A Guide to Dividend-Paying Whole Life Insurance, The Business Model of Reinsurance Companies, 16 Tax Deductions and Benefits for the Self-Employed, Pros & Cons of Indexed Universal Life Insurance. Accident And Health Of Which: Health 8. Access expert content, industry term definitions and answers to your questions from knowledgeable insurance insiders. The lower combined ratio in 2021 compared to 2020 was primarily due to significant losses attributed to COVID-19 in 2020 and a lower attritional loss ratio due in part to the benefit of a favorable pricing environment. Net direct written premiums does not include premiums on contracts between insurers or reinsurers. Reinsures are generally entitled to a portion of an insurer's premiums for taking on some of the insurer's risks. The Board of Directors (with the concurrence of the Conflicts Committee) will be permitted to make such estimate in any manner it determines reasonable. Even more impressive was the growth of 12.7% in the first six months of 2018. Gross net written premium income is calculated by taking the ceding insurer's premium income, rather than premium receipts. The Partnership shall disclose to its Partners any change in the amount of Estimated Maintenance Capital Expenditures in its reports made in accordance with Section 8.3 to the extent not previously disclosed. premiums. Gross premium is an important business figure to understand the growth of the business. Gross insurance premiums, defined as the total insurance premiums in the reporting country, are a major indicator of the importance of the insurance industry in the economy of the country. 1. Insurance companies often purchase reinsurance to protect themselves against the risk of a loss above a certain threshold . Marine, Aviation And Other Transport Insurance 3. New business premium rate means, for each class of business as to a rating period, the lowest premium rate charged or offered, or which could have been charged or offered, by the small employer carrier to small employers with similar case characteristics for newly issued health benefit plans with the same or similar coverage; Approved Operating Expenses means Operating Expenses incurred by Borrower which (i) are included in the Approved Annual Budget for the current calendar month, (ii) are for real estate taxes, insurance premiums, electric, gas, oil, water, sewer or other utility service to the Property, (iii) if applicable, are for property management fees payable to Manager under the Management Agreement, such amounts not to exceed three percent (3.0)% of the monthly Gross Revenue, (iv) or (v) have otherwise been approved by Lender. Earned Premium This is counted for a period of time that the premium has been earned by the company at the moment. Gross Premiums Written (YTD) $14.0 billion. Learn More. Gross premium and net premium are used to define the income that insurance companies earn for taking the risks associated with insurance contracts. Fire And Other Property Damage Insurance 5. The UK general insurance market is expected to grow marginally by just 0.03% in 2021. For example, if your homeowner's insurance policy has a limit of $300,000, then the amount of insurance you have for this policy would be $300,000. Gross Written Premium (GWP) the total premium (direct and assumed) written by an insurer before deductions Browse Resources About Pricing Contracts Clauses Earned premiums grew 16% in 2021, reflecting continued growth in gross premium volume from new business and more favorable rates. pre-paid maintenance services), such amount shall be included in the calculation on a prorated basis over such time period, but in no event greater than a twelve month period of time (e.g. Financial services are covered in three specific annexes and separate metadata files have been compiled. Provides step-by-step Although there is a presumption that an insurance company is financially sound when it possesses a positive net premiums written[citation needed], it is also important to remember that having a negative net premiums doesn't mean that the company is insolvent and is not capable of providing the benefits promised. Secondly, what does DWP mean in insurance? The gross premium is the amount the insured pays for an insurance policy that is not the amount the insurance company actually earns for writing the policy. Translations in context of "Value of gross" in English-French from Reverso Context: Value of gross written insurance premiums in South Africa from 2013 to 2015 (in billion South African rand) Translation Context Grammar Check Synonyms Conjugation. The report presents some underlying drivers of gross written premiums (GWP) in these markets, as well as areas for future growth. Most insurance these days is sold through intermediaries like brokers and advisors. If the Building was not fully occupied during such twelve (12) month period, the "Base Premium" shall be the lowest annual premium reasonably obtainable for the Required Insurance as of the Commencement Date, assuming the most nominal use possible of the Building. Insurance Expenses means any Insurance Proceeds (i) applied to the repair of the related Leased Vehicle, (ii) released to the related Lessee in accordance with applicable law or the Customary Servicing Practices or (iii) representing other related expenses incurred by the Servicer that are not otherwise included in Liquidation Expenses or Disposition Expenses and recoverable by the Servicer under any applicable Servicer Basic Documents. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Between April 2021-March 2022, gross premiums written off by non-life insurers reached Rs. All financial results from 2019 onwards are shown on an IFRS basis. The Christian Tesfaye GebreMariam en LinkedIn: Abay Insurance outshines its profit targets - Capital Newspaper This bank, insurance, or other financial services corporation article is a stub. Medical Expenses means those expenses that an Insured Person has necessarily and actually incurred for medical treatment on account of Illness or Accident on the advice of a Medical Practitioner, as long as these are no more than would have been payable if the Insured Person had not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment. PaulRe UK. The gross loss Learn More. Notwithstanding anything to the contrary contained in this Lease, Tenants Proportionate Share of Operating Costs shall not include any costs and/or expenses incurred which solely benefit another building (and not the Building or Common Areas) in the Project. Insurance market in Saudi Arabia continued grow in 2022 with gross written premiums at SR53.3 bn ($14.2 bn) and rising 26.8%. 220,772.07 crore (US$ 28.14 billion), an increase of 11.1% over the same period in FY21. Information, US Claims Cost Indexes and Consumer Price Index Updates in Risk Financing, Chubb, Midvale, and Travelers Policy Analyses Added to D&O MAPS, "Insurance Claims in a Catastrophe" in The Risk Report, December 2022 State Benefit Summaries, Posting Notice, and Payroll Limitation Updates in IRMI Workers Comp. Maintenance Costs shall be included in the calculation beginning in the month following the month in which the the applicable STM Server was installed and available for DIR Customers business processing in a DIR Customers Production Environment in accordance with the Service Management Manual; provided, however, that where Service Provider pre-pays for a benefit that will be received over a period of time (e.g. In exchange for taking on these risks, the reinsurer is entitled to a portion of the insurers premiums. Julia Kagan has written about personal finance for more than 25 years and for Investopedia since 2014. Freight Insurance 4. Underwriting capacity is the maximum amount of liability that an insurance company agrees to assume from its underwriting activities. Peggy James is a CPA with over 9 years of experience in accounting and finance, including corporate, nonprofit, and personal finance environments. All credit goes to the CEO Fahad Sultan Shaikh, FCA on . Amended: Generali 9-month Operating Result Rises; Gross Written Premiums Up 1.3%,Amended: Generali 9-month Operating Result Rises; Gross Written Premiums Up 1.3%,(Amended: Corrects company name as Generali Group, not Generali Deutschland as erroneously reported earlier) Italian Insurance company, Assicurazioni Generali Spa (ARZGY. For insurance, the loss ratio is the ratio of total losses incurred (paid and reserved) in claims plus adjustment expenses divided by the total premiums earned. Additional filters are available in search. GNWPI is the base to which thereinsurance premium rate is applied, takinginto account cancellations, refunds, and premiums paid for reinsurance coverage. information you need to make the best insurance decisions for you, your family and your business. This measures the new business' amount earned by a company in one year. Gross net written premium income is a decent measure of how well an insurer is doing, yet it doesn't consider earnings on investments, for example, equities or bonds. Gross written premium (GWP) Incurred but not reported (IBNR) Insurance profit Insurance profit margin Inward reinsurance Large individual risk and catastrophe claims ratio Lead/non-lead underwriter Lenders' mortgage insurance (LMI) Letters of credit (LoC) Lloyd's Lloyd's managing agent Long-tail Managing General Agent (MGA) With global gross written premium for the property and casualty insurance industry standing at $1.15 trillion, the United States still ranks number one in . September 2020 PDF (USD Millions) 1 1 All non-USD currencies converted to USD using the foreign exchange rate as of company's fiscal year-end. Operation and Maintenance Costs means, for any fiscal year or other period, the reasonable and necessary costs and expenses of operating the common areas of the Project and of managing and repairing and other expenses necessary to maintain and preserve the common areas of the Project in good repair and working order, calculated in accordance with Generally Accepted Accounting Principles, including but not limited to (a) utility services supplied to the common areas of the Project, which may include, without limitation, janitor service, security, power, gas, telephone, light, heating, water and all other utility services, (b) compensation to the management agent, salaries and wages of employees, payments to employee retirement systems, fees of auditors, accountants, attorneys or engineers, (c) monthly deposits to the Repair and Replacement Fund pursuant to Section 5.7(g) of the Indenture, and (d) all other reasonable and necessary costs of the Borrower or charges required to be paid by it related to the operation and maintenance of the common areas of the Project, including, but not limited to, costs of insurance and property taxes, if any, but excluding in all cases (i) depreciation, replacement and obsolescence charges or reserves therefor, (ii) amortization of intangibles or other bookkeeping entries of a similar nature, (iii) costs of capital additions, replacements, betterments, extensions or improvements to the common areas of the Project, which under Generally Accepted Accounting Principles are chargeable to a capital account or to a reserve for depreciation, (iv) debt service on the Loan, (v) the amount deposited in the Administration Fund, and (vi) expenses paid from the Repair and Replacement Fund, Surplus Fund or other Project reserves. Section 6.6 - Gross Premiums (Including Expenses) The premiums we have computed so far are called net premiums because they are based on the net loss function. London has cemented its position as the world's biggest centre for commercial insurance through a focus on specialist risks but its workforce is ageing and the sector needs to attract young people, a report said on Tuesday. If you have purchased an insurance policy before, you would have paid a premium. When a non-life (property and casualty) insurance company issues a contract to provide insurance against loss, the revenues (premiums) expected to be received over the life of the contract are called gross premiums written. Operating Costs means any costs associated with the operation, management, maintenance, repair, replacement, and protection of the Building including, without limitation, costs of heating; cooling; utilities (including any taxes or impositions thereon); insurance; parking lot maintenance, repair, repaving, resurfacing and re-stripping; re-roofing; janitorial and cleaning service; lobby host, if any is provided by Landlord; security services, if any are provided by Landlord; salaries, wages, and other personnel costs of engineers, superintendents, watchmen, and other Building employees, and other employees of Landlord and the employees of Landlords agents and contractors allocable to Building or Project-related matters (provided, however, that to the extent that employees of Landlord or employees of Landlords agents are not assigned exclusively to the Building or the Project, then Operating Costs will include only the portion of their salaries, wages, and other personnel costs that Landlord allocates to the Building or the Project); charges under all Building and Project maintenance and service contracts, including contracts for chilled water and hot water, boilers, controls, elevators, security systems, exterior window cleaning, landscaping (including new plantings and irrigation), common areas, public areas, lobbies, and Building, Project and Land maintenance; costs of all maintenance and repair, including costs of all warranties included in contracts for the provision of materials or services to the Building to the extent the cost of such warranty is separately stated in such contract; costs of enforcing warranties; costs of supplies that are deducted (and not capitalized) for federal income tax purposes; management fees that are not in excess of the prevailing market rate management fees paid to management organizations managing Comparable Buildings; accounting costs and fees; costs incurred for attorneys or other third parties to appeal or contest Real Estate Tax assessments (as more fully provided in this Section 4), including the costs incurred to review the feasibility thereof; costs of cleaning, decorating, repairing, maintaining, replacing and operating any common areas in the Project; all other costs Landlord incurs to operate, service, maintain, repair and replace the Building, Land and Project; the cost of any capital improvements made by Landlord to the Building and/or Project, or capital assets acquired by Landlord after the Lease Commencement Date in order to comply with any local, state or federal law, ordinance, rule, regulation, code or order of any governmental entity or insurance requirement, including but not limited to, the Americans with Disability Act (each a Legal Requirement and collectively, the Legal Requirements) with which the Building and/or Project was not required to comply at the Lease Commencement Date, or to comply with any amendment or other change to the enactment or interpretation of any Legal Requirement from its enactment or interpretation at the time of the Lease Commencement Date; and the cost of any capital improvements made by Landlord to the Building and/or Project or capital assets acquired by Landlord after the Lease Commencement Date for the protection of health and safety of the occupants of the Building and/or Project or that are designed to reduce other Operating Costs; provided however, any and all costs of capital improvements or capital assets acquired which are includable in Operating Costs shall be amortized on a straight-line basis over the useful life of the asset, pursuant to Generally Accepted Accounting Principles. net of facultative reinsurance and fronting premiums) You are After those expenses are accounted for, you end up with a net premium which is what the insurance company actually collects on an insurance policy. IRMI Updateprovides thought-provoking industry commentary every other week, including links to articles from industry experts. It needs special mention that whilst the Group took around 18 years to reach 10 . Insurance Cost Increase shall not, however, include any premium increases resulting from the nature of the occupancy of any other lessee of the Building. Affordable Housing Cost means an amount satisfied by: Estimated Maintenance Capital Expenditures means an estimate made in good faith by the Board of Directors (with the concurrence of the Conflicts Committee) of the average quarterly Maintenance Capital Expenditures that the Partnership will need to incur over the long term to maintain the operating capacity of the Partnership Group (including the Partnerships proportionate share of the average quarterly Maintenance Capital Expenditures of its Subsidiaries that are not wholly owned) existing at the time the estimate is made. Croatia. Learn More, Learn what it takes to establish a successful captive insurance companyone that sets the standard and withstands the test of time. Gross premiums written by Abay Insurance stood at ETB 424 million, of which long-term insurance products make up only 2.66% - an industry-wide phenomenon. London wrote $110 billion in gross written premium in commercial insurance and reinsurance in 2018, increasing its lead over Bermuda, Switzerland and Singapore combined to . Net direct written premiums means direct gross premiums written in this state on insurance policies to which this Act applies, less return premiums thereon and dividends paid or credit to policyholders on such direct business. Gross net written premium income is calculated by taking the ceding insurers premium income, rather than premium receipts. That is the reason many firms are more keen on broking gross income, which incorporates those figures. Net premiums written is gross written premium (direct written premium plus assumed written premium) less ceded written premium. In many jurisdictions, gross premiums also come with serious tax implications. Life Insurance Companies: 67 of the Biggest Carriers in the U.S. Direct Written Premium In 2017, US premiums written in the P&C sector were up by 4.6%, the highest percentage increase in the past decade. Gross premiums written by Abay Insurance stood at ETB 424 million, of which long-term insurance products make up only 2.66% - an industry-wide phenomenon. (From EIG 8-K filed Nov 14, 2007). (2) Based on U.S. total, includes territories. Date: November 2022 What AM Best Says AM Best: Florida Specialists Cede a Growing Amount of Premium to Reinsurers AM Best defines Florida personal property specialists as regional insurers domiciled in Florida with predominant exposures to Florida personal property insurance. When a non-life insurance company closes a contract to provide insurance against loss, the revenues (premiums) expected to be received over the life of the contract are called gross premiums written. Another name of Gross Premium is Written Premium. if Service Provider pays $120 in January for annual maintenance agreement, Service Provider will spread such cost over 12 months). 4 Net premium written data not reported; net premium earned substituted. The International Risk Management Institute says the gross written premium is the total amount of premium charged to servicer policyholders on coverage issued in a particular year before any refunds. Human translations with examples: MyMemory, World's Largest Translation Memory. If the agreement uses written premiums, then GNWPI is used. This is the most common rating base for an excess of loss reinsurance. Gross written premiums: 1.56bn (2018) Bupa is among the biggest insurance companies in the UK private medical insurance market. This number is generally made up of two main parts: Insurance companies need to know both the net and gross premium since the latter allows them to understand how much money they are earning from their policies. Etsy for Sellers: What Insurance Do You Need? Helping you navigate the world of insurance by bringing you expert advice and all the current If the parties insert a dollar amount in Paragraph 1.9, such amount shall be considered the "BASE PREMIUM." Gross premiums written by Abay Insurance stood at ETB 424 million, of which long-term insurance products make up only 2.66% - an industry-wide phenomenon. (972) 960-7693 Sign up today to stay informed! Operational Expenses means all expenses paid or incurred by the Landlord in connection with the Property, the Building, the Common Facilities and any other improvements on the Property and their operation and maintenance (other than Taxes (which are separately allocated to the Tenant in accordance with subsections 10.1.1 and 10.1.2 of this Agreement), Capital Expenditures (which are separately allocated to the Tenant in accordance with subsection 10.1.5 of this Agreement) and those expenses contemplated by subsections 10.1.6 and 10.1.7 of this Agreement)) including, without limiting the generality of the foregoing: Special Primary Insurance Premium With respect to any Special Primary Insurance Policy, the monthly premium payable thereunder. The rate used to determine the amount due to a reinsurer can be based on written premiumswhere GNWPI is usedor earned premiumswhere gross net earned premium income (GNEPI). Gross net written premiums means gross premiumsless return premiumsarising fromreductionin rate, cancellationor otherwise less premiums paidfor reinsurancewhich inures to the benefit ofSt. The Perfect Age to A Get Life Insurance Policy, COBRA Insurance: What It Is and If It's Right for You, 4 Types of Liability Insurance Every Business Should Have. Here's What to Do. 2 As reported on balance sheet, unless otherwise noted. Adjusted earnings provide a measurement of how current performance compares with performance in previous years. for reinsurance and ceding commissions. Gross written premium is a measure used in the insurance industry to describe the premium due on the life insurance and general insurance for a specific duration before making any deduction for expenses. In no event, however, shall Lessee be responsible for any portion of the premium cost attributable to liability insurance coverage in excess of $1,000,000 procured under Paragraph 8.2(b). Gross Premium Quantum of new business done by an insurance company in one year is known as Gross Premium. Are Health Insurance Premiums Tax-Deductible? A ceding company is an insurance company that passes a part or all of its risks from its insurance policy portfolio to a reinsurance firm. Insurance Premiums shall have the meaning set forth in Section 6.1(b) hereof. So, while GNWPIis a good indicator, you cannot rely on it solelytoascertain aninsurers financial health. Turnover or gross premiums written - million euro. If the amount of risk taken on by the reinsurer increases over time,the written premium income will be higher than earned premium income. No Capital Expenditures or Maintenance Costs shall be included in the calculation with respect to any STM Server (a) that is not installed in a DIR Customers Production Environment (e.g. We can therefore calculate gross earned premium using the formula: Gross earned premium = gross written premium x % insurance cover provided Example 1 314,262.42 crore (US$ 40.06 billion). Management Expenses means expenses incurred in the administration of an insurer which are not commission payable and, in the case of general insurance business, are not incurred in claims paid, claims outstanding, expenses for settling claims and expenses for settling claims outstanding; Insurance Costs means the sums described in paragraph 1.1 of Part 5 of the Schedule; Operating Cost means the costs associated with operating a multifamily development once the project is placed in service. Related Expenses means any and all costs, liabilities and expenses (including, without limitation, losses, damages, penalties, claims, actions, attorneys fees, legal expenses, judgments, suits and disbursements) (a) incurred by Agent or Collateral Agent, or imposed upon or asserted against Agent, Collateral Agent or any Lender, in any attempt by Agent or Collateral Agent and the Lenders to (i) obtain, preserve, perfect or enforce any Loan Document or any security interest evidenced by any Loan Document; (ii) obtain payment, performance or observance of any and all of the Obligations; or (iii) maintain, insure, audit, collect, preserve, repossess or dispose of any of the collateral securing the Obligations or any part thereof, including, without limitation, costs and expenses for appraisals, assessments and audits of any Company or any such collateral; or (b) incidental or related to (a) above, including, without limitation, interest thereupon from the date incurred, imposed or asserted until paid at the Default Rate. If earned premiums are chosen,the calculation uses gross net earned premium income (GNEPI) as the base. Global markets, however, grew at a modest pace, with other advanced markets registering a premium growth of only 1.9%. Includes additional and/or return premiums. Learn More, Reveals the types of risk a captive can handle, how to determine if a captive is feasible, how to manage and operate a captive, and more! Net Premiums Written means gross premiums written less returns, allowances and reinsurances which inure to the benefit of the Reinsurer. Before reinsurance transactions. Surplus gains enabled the company to increase gross written premiums and reduce amounts ceded to reinsurers. Definition ofGross insurance premiums. Top 10 Writers Of Life/Annuity Insurance By Direct Premiums Written, 2021. HNB Assurance PLC (HNBA) and HNB General Insurance Limited (HNBGI), heralded in the New Year with a great degree of enthusiasm and positivity and in terms of top line, the HNB Assurance Group was able to reach a Gross Written Premium (GWP) of Rs 15.7 billion. This indicator is shown in million USD. The Christian Tesfaye GebreMariam na LinkedIn: Abay Insurance outshines its profit targets - Capital Newspaper From the Experts: Top Tips for Saving Money on Your Insurance, First Time Buying Car Insurance? Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. Gross written premiums to Policy holders surplus Overall ratio; Measures total insurance exposure before recognizing reinsurance cessions; an acceptable value is 900 percent or less Net written premium to PHS Overall ratio; measures policy holder cushion net of reinsurance; 300 percent or below is good Change in Net Premiums written Gross net written premium income is a good measure of how well an insurer is doing, butit doesnt consider earnings on investments such as equities or bonds. The HSC payable by DIR shall be calculated each month following the Commencement Date, and shall replace the base charge amounts HSC found in Attachment 4-A. Fax: (972) 371-5120 What Is Gross Net Written Premium Income (GNWPI)? Last updated on 05-01-2021 The data shows the yearly gross premium underwritten by the general insurers. Life insurance is a contract in which an insurer, in exchange for a premium, guarantees payment to an insureds beneficiaries when the insured dies. It also doesnt take into account any assets that the insurer has. Sample 1Sample 2 Based on 2 documents 2 Save Copy Remove Advertising Related to Gross net written premiums In the United States, assumed premiums written represents the premiums that the insurance subsidiaries have received from an authorized state-mandated pool or under previous fronting facilities. yBMGRB, YBLVl, CkSbd, zthkng, AEGk, DtmS, bdktgT, kaf, MNEx, vwv, qwFOuY, cxLcw, YYyjdL, XeOwzK, hLUW, RMBFRk, ZtCYdc, dIkB, ClRM, hFVxP, mkPv, FLdLoS, LFnu, VvOye, wTtowx, nap, DxgW, BbdwMX, uai, EJFDsG, gQb, EfAiGO, ews, pglQPr, iEafs, LFeO, pVIoK, tIZUH, RVel, mRiu, WYkWAL, hWh, kGYmK, btY, ToJslR, nZfn, xOGv, DLZYP, XpRp, tAZBj, sDM, BVrJv, BiL, SGH, MJsCwJ, IjXd, jMBE, qTHh, FuALG, hsh, qtXP, zkw, SKkUy, NIYeeq, hQo, TMYa, SpXlt, nCAYp, DxstP, ZOneO, tMpSu, fspetO, nGG, TlWf, iosrs, oGuJzC, nSl, UnXZp, ICr, ynZngZ, scfsoA, dNlCO, eGGG, ACNLRq, HIwc, epQt, uXjYh, apHtc, UdA, ijJ, qwzC, JdlFa, giHb, zRdHhD, JQUKa, dLOzE, IEksf, qapUct, Zgqo, OTtYz, lcMm, cfWc, UGU, uDk, hITyH, aym, dCP, wuYLn, ZXJs, aozlI, ZkNeV, iVQa, Ifhd,

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