On July 23, 2007, The Hartford Financial Services Group, Inc. announced settlements of recent investigations for a total of $115 million in restitution and penalties. Specifically, the Company entered into a settlement with the New York Attorney General's Office relating to an investigation of variable annuity market timing issues. It also settled its property and casualty producer compensation investigations with the Attorney General Offices’ of New York, Connecticut and Illinois, as well as New York Insurance Department. With respect to the producer compensation settlement, The Hartford has agreed cease contingent compensation practices in its property-casualty business in which more than 65% of the U.S. market does not pay contingent commissions, and has decided to create a new supplemental commission program for 2008. This program will pay a fixed commission, determined before sale, and based on various factors, including performance history. You can read a press release about the settlement here.