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This document is a Form 10-K annual report filed by Genworth Financial, Inc. with the U.S. Securities and Exchange Commission for the fiscal year ended December 31, 2005. It provides an overview of Genworth's business operations, financial results, risks, and other disclosures. Specifically, it summarizes that Genworth has three business segments: Protection, Retirement Income and Investments, and Mortgage Insurance. It reports the net earnings for 2005 of each segment and provides other selected financial information for Genworth as of December 31, 2005.















































































































































































