13 % to $ 113.7 million from $ 131.0 million in the first nine months of 2006. of 2007 compared with the same period in 2006. premiums continued to decline as expected. estate investment income compared to the first nine months of 2006. to the ongoing SEC investigation regarding certain loss mitigation products. to total capital ratio , excluding AOCI , was 20.2 % . ( toll-free domestic ) or 706-643-9286 ( international ) ; passcode : 18610048 .