| http://www.w3.org/ns/prov#value | - Factors that may cause such a difference, include, but are not limited to those discussed in Part I, Item IA, Risk Factors", of our Annual Report on Form 10-K as well as other reports subsequently filed with the Securities and Exchange Commission (the SEC), as well as: the willingness of independent insurance agencies to outsource their computer and other processing needs to third parties; pric
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