| http://www.w3.org/ns/prov#value | - Factors that may cause such a difference, include, but are not limited to those discussed and identified in Part I, Item 1A, ???Risk Factors??? in our 2010 Form 10-K which is incorporated by reference herein, as well as: the willingness of independent insurance agencies to outsource their computer and other processing needs to third parties; pricing and other competitive pressures and the company?
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