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OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS. The following discussion should be read in conjunction with our accompanying consolidated financial statements and notes thereto, which appear elsewhere in this document. In this discussion, all dollar amounts are presented in thousands, except share and per share data.

United statesNew hampshireDivision of insuranceSafety indemnity insurance companyDevelopment summarySafety northeast insurance companyOther service incomeMassachusetts property insurance underwriting associationPartnership investmentsSafety asset management corporationSafety management corporationAm bestNational mortgage associationCasualty insurance company safetyInsurance companyCompany board of directors