The document provides an overview of a company's financial results for the six months ended 30 June 2013. Key points include: - Profit before tax was $82.3 million, down from $112.9 million in the same period in 2012. - Gross written premiums increased 5% to $1.066 billion. - The combined ratio was 89%, down from 91% the prior year. - Prior year reserve releases were $60.8 million.