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(Click for frequent words.) 58 actuarial valuations 54 actuarial calculations 52 actuarial 52 actuarial liabilities 52 postretirement benefit plans 51 assumptions 51 DAC unlock 50 postretirement benefit 49 actuarial valuation 49 DAC unlocking 49 actuarially determined 48 OPEB expense 48 c Relates 48 reestimates 48 LAE reserves 47 adopting SFAS #R 46 affecting mortality morbidity 46 postemployment benefits 46 OPEB obligations 46 OPEBs 46 unfunded actuarial liability 46 FRS# 46 unfunded accrued 46 accruals 46 postretirement obligations 46 retrocessional coverage 46 LIFO adjustments 45 ceded reinsurance 45 SFAS# R 45 reinsurance reinstatement 45 unrealized derivative 45 Medicare Advantage PFFS 45 marketconditions 45 Company noncontributory defined 45 MFFO 44 undiscounted cash 44 Asset Retirement Obligation 44 nonGAAP 44 Sensitivity analyzes 44 variable annuity guarantees 44 realizability 44 compensation accruals 44 FRS# accounting standard 44 Fabricated Products segment 44 ROACE 44 interim condensed consolidated 44 FSP #-# 44 annuitization 44 FAFLIC 44 noncash accounting 44 regarding Hyperdynamics Corporation 44 actuaries 44 Variable annuity 44 reinstatement premiums 43 actuarially 43 self insured retentions 43 LIFO inventory valuation 43 unescalated 43 postretirement 43 Defined benefit 43 LIFO accounting 43 postretirement benefit obligations 43 microsimulation model 43 No. #R 43 temporary impairments OTTI 43 recoverables 43 normalized FFO guidance 43 b Excludes 43 estimated undiscounted 43 STERIS calculation 43 IFRS changeover 43 OPEB 43 Hiscox Bermuda 43 IAS# [002] 43 Crisa acquisition 43 prepayment speeds 43 ATCF 43 MCEV 43 remeasurement 43 anduncertainties 42 NON CASH EXPENSES 42 OPEB liabilities 42 AIFRS 42 Accounting Policies 42 aftertax 42 maydiffer materially 42 Reinsurance recoverables 42 toreflect 42 undiscounted 42 hedge ineffectiveness 42 noncash impairments 42 b Reflects 42 incentive accruals 42 market fluctuations investee 42 CastlePoint Re 42 macroeconomic variables 42 NOL carryforwards 42 Currency fluctuation 42 theforward looking 42 efficiency ratio teb 42 FINOVA 42 reinsurance recoverables 42 GLJ Report 42 triennial valuation 42 mortality persistency 42 xi unanticipated 42 aresubject 42 TFG CLO investments 42 general economicconditions 42 Visa indemnification 42 GMIB 42 metallurgical recoveries 42 museum Julie Setlock 41 CICA Handbook section 41 unrealized derivative losses 41 economically recoverable coal 41 OREO valuation 41 exclude noncash 41 multivariate logistic regression 41 #k #b 41 FAS# R 41 Unfunded liabilities 41 reinsurance receivables 41 temporary impairments 41 recoupments 41 underlying assumptions 41 LIFO adjustment 41 binomial model 41 CGAAP 41 IFRS IFRS 41 GMDB 41 lump sum distributions 41 tables summarize 41 d Reflects 41 potential confounders 41 may diverge numerically 41 noncancelable 41 unconsolidated investees 41 catastrophe reinsurance reinstatement 41 CAUTIONARY STATEMENTS 41 unrealized derivative gain 41 results ofoperations 41 futureevents 41 XLFA 41 noncurrent liabilities 41 noncurrent assets 41 substantively enacted 41 European Windstorm Xynthia 41 solvency deficiency 40 historicalfacts 40 Adjusted EBITDA excludes 40 pension 40 NPVs 40 postemployment benefit 40 LIFO inventory 40 reasonably determinable 40 Sproule Associates Limited 40 noncash amortization 40 Standardized distributable cash 40 doubtful accounts receivable 40 Medicare Advantage MLR 40 Extra Ordinary Items 40 Midterm politicking hovers 40 #-# bps 40 b Represents 40 PVNBP 40 AOCI 40 cash flows 40 hyperinflationary environments 40 Accruals 40 Monte Carlo simulations 40 Asset Retirement Obligations 40 Immediate annuities 40 odds ratios ORs 40 Derivative Liabilities 40 depreciation accretion 40 Incurring debt 40 Congoleum undertakes 40 EITF #-#-# 40 unbooked resource potential 40 - -seemingly unquenchable 40 diminishes predictably 40 sociodemographic factors 40 MultiCell bases 40 excludes acquisitions divestitures 40 morbidity mortality persistency 40 Introductory teaser rates 40 d Represents 40 nonqualified deferred compensation 40 policyholder dividends 40 multiemployer 40 Merger Arb ETF 40 Cautionary Disclosures 40 DPAC amortization 40 CompAir acquisition 40 credit carryforwards 40 pretax 40 differmaterially 40 debt extinguishment 40 reinsurance recoveries 40 standardized distributable cash 40 postretirement benefit liabilities 40 Unlevered Cash Flow 39 PDP MLR 39 persistency 39 table summarizes 39 LIFO reserve 39 Standardized Measure 39 FAS CAS pension 39 reasonably estimable 39 uncollectible accounts 39 OTTI write downs 39 REITs FFO 39 Accretion expense 39 xxvii 39 LIFO inventory decrement 39 RiverSource Life 39 regarding Heska 39 EUR1 #mn 39 j Represents 39 Pro Forma EBITDA 39 intangible asset impairments 39 financialperformance 39 #.# perdiluted 39 #.#/lb copper 39 effective bioassay 39 currentexpectations 39 theseforward looking 39 unrealized losses 39 suchstatements 39 FERS retirement 39 ultimate recoverability 39 IAROC 39 intents beliefs 39 MacroChem actual 39 Metallurgical recoveries 39 factors 39 IBNR reserve 39 amortizable intangible assets 39 unobservable inputs 39 FDIC indemnification asset 39 accretion expense 39 looking statements.These 39 adversely affect Waste Connections 39 LTM adjusted EBITDA 39 uncollectible reinsurance 39 non gaap 39 NOL utilization 39 performing obligors 39 LTCH PPS 39 excludes unrealized gains 39 Lump sums 39 CICA Handbook 39 derivative liabilities 39 Spira cites 39 unevaluated properties 39 liabilities 39 consolidated OIBDA 39 reinvested distributions 39 RCOP 39 VanDerhei 39 inhospital mortality 39 Theseforward looking 39 uncollectible accounts receivable 39 EMEA Subsidiaries 39 logistic regression model 39 LPT Agreement 39 indexation clauses 39 accrual 39 calculating SS NOI 39 borrower depositor 39 statements arebased 39 amortisations 39 Petrolympic reasonable 39 reinsurance ceded 39 SBLIC 39 adopting IFRS 39 ceding commissions 39 Underfunded pension 39 residual confounding 39 RealAge Test 39 Framingham Risk Score 39 accompanying condensed consolidated 39 EBIAT 39 f Represents 39 Catastrophe losses 39 IBNR reserves 39 LIFO 39 xxviii 39 sublease recoveries 39 early extinguishments 39 unrealized gains losses 39 unrealized gains 38 Biophan anticipates 38 PHP# #mn 38 TFG CLO 38 guaranty insurers 38 b Relates 38 netincome 38 c Represents 38 multiemployer defined 38 uncollectable receivables 38 Multivariable logistic regression 38 AMETEK filings 38 - Effect [007] 38 Underlying pretax 38 changesin 38 including withoutlimitation 38 accounting pronouncements 38 concerning economically recoverable 38 OPEB obligation 38 Exousia Evergreen 38 adjusted EBITDAS 38 unrealized derivative gains 38 calculations 38 - -Guldeniz 38 items affecting comparability 38 NBCR risks 38 excluding goodwill impairment 38 SHKPI 38 Interfinancial Deposit DI 38 FSP FAS #-# 38 GUIDANCE AND 38 Summarized consolidated 38 Assumptions 38 Adjusted EBITDAS 38 nonqualified retirement 38 trivial commutation 38 GSCT program 38 postretirement benefits 38 www.morningstar.ca 38 adjusted unlevered free 38 DEPS guidance 38 noninterest expense decreased 38 linear regression 38 multivariate regression analysis 38 linear extrapolation 38 conditional logistic regression 38 So Olweean cardiologist 38 persistency mortality 38 Logistic regression 38 MXN# #mn 38 forwarda ^ looking 38 otherfactors 38 Thesestatements 38 readily determinable 38 Broker Numis Securities 38 #.#x DSCR 38 mortality morbidity 38 PBGC insures 38 disciplined underwriting 38 actuarially sound 38 derivative instruments 38 accretable 38 xxxi adverse tax 38 nonroutine income 38 LIFO expense 38 Incurred losses 38 collect reinsurance recoverables 38 WNS ADS 38 j Includes 38 Monte Carlo simulation 38 without limitation Terremark 38 accumulated undistributed 38 ASSET RETIREMENT OBLIGATIONS 38 Defined Benefit Plans 38 todiffer materially 38 Translation Retained 38 PPF levy 38 many Swazis revere 38 SupplySMART ™ energy 38 excluding AOCI 38 undistributed overdistributed net 38 Postretirement Benefits 38 arebased 38 reflect HRTE 38 Adjusted EBT 38 AFFO payout ratio 38 -agreements technological obsolescence 38 imputed rents 38 FIFO EBITDA 38 reserve reestimates 38 beta coefficient included 38 untreated STDs 38 minute Elderberry Facial 38 Unearned Premiums 38 Defined Benefit DB 38 looking statementsaEUR describe 38 - Adjusted [034] 38 BioForce Nanosciences actual 38 Critical Accounting Policies 38 forward lookinginformation 38 thresholds indexed 38 CICA Section 38 - -Belusko 38 TTGL 38 MA PFFS 38 pretax noncash 38 discounted cashflow 38 Adjusted EBTIDA 38 projections 38 modified coinsurance 38 FERS annuity 38 CAUTIONARY STATEMENT Statements 38 contingently convertible securities 38 - Effect [011] 38 covenant calculations 38 recategorization 38 balance sheet deleveraging 38 SIMPLE IRAs 38 actualresults 38 Social Security actuaries 38 Grandfathered plans 38 FHCF 38 MSEK -# [001] 38 FASB #R 38 MtM impacts 38 Variable annuities involve 38 adopting FIN 38 deferred loan origination 38 depreciation depletion amortization 38 landfall probabilities 38 copayments coinsurance 38 FIFO inventory 38 Adjustment Expenses 38 actuary 38 outyears 38 reflect DTRO 37 nondeductible expenses 37 reflect GuestLogix 37 Oilsands Quest undertakes 37 seasonal fluctuations 37 distort comparability 37 Proved plus 37 postretirement expense 37 Individual Annuities segment 37 Novogyne 37 Ziol Guest 37 profitsharing 37 Termination Benefits 37 Nominal GDP includes 37 unfunded actuarial accrued 37 proprietary econometric 37 Sepracor anticipates 37 suchforward looking 37 nonpension retirement benefits 37 NxStage anticipates 37 unfavorable variance 37 postretirement benefit OPEB 37 FFO FAD 37 KPMG Actuaries 37 average assets ROAA 37 Pro forma Adjusted EBITDA 37 Statutory surplus 37 captions Item 1A 37 covariates 37 Unitholder distributions 37 address inadvertent miscalculations 37 dilutive issuances 37 actuarially justified 37 unfavorable variances 37 unamortized deferred financing 37 NPV IRR 37 EBDDT 37 hedging instruments 37 inventories revalued 37 Factors influencing 37 GARs 37 accounts receivable balances 37 variables 37 andassumptions 37 intersegment purchases 37 remeasurements 37 Levered Free Cash Flow 37 AIF identifies 37 foreignexchange 37 Pecoriello wrote 37 - Adjusted [019] 37 debt extinguishments 37 legislatively unattainable 37 Descriptive statistics 37 f Reflects 37 Generally Accepted Accounting Principle 37 Funded Status 37 Currency translation 37 thereby negatively impacting 37 Model SF PCM 37 involve risksand uncertainties 37 stochastic modeling 37 Tickerspy Indexes use 37 exclude nonrecurring items 37 Default Notice i 37 fluctuations 37 Intergenerational Report 37 Actuarial 37 Surface Specialties acquisition 37 depreciation amortization accretion 37 actuarial tables 37 revise anyforward looking 37 derivative instrument 37 value reductions MVRs 37 OTTI charges 37 infrequently occurring 37 reinsurance recoverable 37 unaudited consolidated balance sheets 37 SFAS#R 37 finden Sie hier Future 37 reflect Medicago 37 Duration Gap 37 living adjustment COLA 37 statementsare 37 cedants 37 TranSwitch indebtedness 37 acquisitions divestitures 37 - Effect [009] 37 x fluctuating beryllium 37 retrospectively adjusted 37 notlimited 37 #,#.# Unearned premiums 37 condensed consolidated balance sheets 37 currency remeasurement 37 Code Section #A 37 Supervalu 3Q 37 depletion depreciation 37 variable annuity reinsurance 37 cynical Canlla 37 #.#/BOE [001] 37 stepwise logistic regression 37 derivative contracts 37 Company Periodic Filings 37 excludes noncash 37 actuarial soundness 37 Unizan merger 37 SS NOI 37 Contingent Liabilities 37 c Consists 37 LPT Agreement ceded 37 securitized receivables 37 abysmal Shaiken 37 Federal Mogul Alapont 37 -# TEUR 37 c Excludes 37 arenot limited 37 cedents 37 IBNR 37 c Calculated 37 noncash goodwill 37 directionally consistent 37 Excluding acquisitions divestitures 37 depletion calculation 37 equivalent APE 37 applied prospectively 37 Cumulative translation 37 FAS #R 37 HTA periodic 37 forward lookingstatement 37 Transsib Re 37 reflect Sentry Select 37 Indexed annuities 37 conditional verb tenses 37 government Grybauskaite budgetary 37 annuitisation 37 asset monetizations 37 ASC #-#-# 37 causeactual results 37 Reclassifications 37 ultrashort bond 37 contemplated hereunder 37 factors APPY 37 goodwill impairments 37 inventory obsolescence 37 ChannelRe 37 retrocessions 37 These statementsare 37 Doubtful Accounts 37 LIFO inventory reserve 37 Annualised 37 adverse climatic 37 Ms. Nalbantoglu 37 Mark Ruloff 37 earnings pershare 37 internalizing behaviors 37 calculation 37 TDFs 37 adopted SFAS #R 37 metrics 37 confounders 37 unmeasured confounding 37 #.#per diluted 37 Employees Pension Scheme 37 asset allocation 37 ended September# 37 Forward lookingstatements 37 surrealism primitivism 37 pretax goodwill impairment 37 inherently uncertain 37 reflect Ronn Motor 37 prepayment speeds loan originations 37 Cazalet Consulting 37 #.#/lb Ni 37 Valuation allowance 37 OTTI 37 Negatively impacting 37 Buzzard derivative 37 Unfavorable currency 37 LMGI 37 BlackRock MLIM transaction 37 operatingincome 37 noncontributory 37 PV originations 37 capture exosomes 37 thefourth quarter 37 policyholder 37 SFAS No.# 37 FEGR disclaims 37 pensions 37 identifiable intangibles 37 ABCP holdings 37 involve risks anduncertainties 37 COGP 37 Internally DTE Energy 37 risksassociated 37 - Total Current LiabilitiDouglas H. McCorkindale 37 cyclically adjusted 37 FEGLI 37 elective deferrals 37 ASC Topic 37 Blonder Tongue actual 36 AcG 36 borrowable funds 36 BIBP 36 unmeasured factors 36 #.#/BOE [002] 36 EVLI 36 Kingsway Reinsurance Corporation 36 benefits OPEB liability 36 Bioenvision disclaims 36 lapsation 36 MCCSR 36 No. #R SFAS 36 EGI Financial 36 risk mitigant 36 reinsurance commutations 36 Copano commodity 36 reattribute 36 Proved Producing reserves 36 triennial actuarial valuation 36 Unearned premiums 36 PGxPredict tests 36 #/oz silver 36 un levered 36 concerning AudioCodes 36 Expense ratios 36 streamflow forecasts 36 net realizable 36 - Non GAAP [001] 36 retroactive reinstatement 36 rent escalations 36 actuarially equivalent 36 identifying beta coefficient 36 uncollectible receivables 36 identifiable intangible 36 Cobalt Gordian 36 FSCS levy 36 early modernist sculptors 36 Pharsight Quarterly Report 36 MSR valuation 36 Undiscounted 36 economicconditions 36 acquisitions dispositions 36 FIFO method 36 Folksamerica Reinsurance Company 36 DAC offsets 36 intangibles impairment 36 covariance 36 forwardlooking statements 36 geological geophysical engineering 36 FAS #R Share 36 CDFS joint ventures 36 unmeasured confounders 36 distributional consequences 36 xxvi 36 Intellon assumes 36 SEK -#.# -#.# [003] 36 covariate 36 Our PMVS 36 #,#-#,# oz 36 authenticity authorship completeness 36 #R Share Based 36 PPG Industries periodic 36 unforeseen calamities 36 Unleveraged FFO Return 36 FFO Measures 36 macroeconomic 36 Zi OEM 36 Nektar undertakes 36 #.#/oz Ag [001] 36 Therein lurks 36 acquisitions divestitures transfers 36 CICA Handbook Sections 36 unitholder distributions 36 Invested Capital ROIC 36 Plan Disclosure Document 36 TCE RWA ratio 36 IAS IFRS 36 MIICL 36 Ballpark Estimate 36 Contingent consideration 36 EdgeStone Funds 36 Normalised 36 GLJ 36 Adjusted Operating Expenses 36 affecting comparability 36 ASC #-# 36 Pro forma adjustments 36 Stimulative monetary 36 Beazley syndicates 36 forestry LULUCF 36 Petrofund merger 36 Paddock Lindstrom 36 uncertaintiesthat 36 FDIC indemnification 36 differ materiallyfrom 36 accretion dilution 36 Interest expense decreased 36 intangible assets impairment 36 Ropeik author 36 receivable balances 36 RESEARCH ALONE 36 maycause actual results 36 EITF #-# [001] 36 c Reflects 36 AECO natural 36 Nanometrics disclaims 36 accurately predict 36 foreign currency remeasurement 36 - Effect [003] 36 Form 8K #K 36 valuation allowances 36 undepreciated assets 36 aftertax gain 36 governance ESG issues 36 reinsurance treaties 36 deductibles copayments 36 goodwill intangible 36 RMBS collateral 36 update theseforward looking 36 Chief Actuary 36 reflect iSIGN Media 36 Iberian undertakes 36 ratio MLR 36 #.#/lb Cu 36 postemployment 36 impacting comparability 36 forecasts 36 Meteorologist Kevin Skarupa 36 USD1 = 36 WikiWealth.com s 36 nonconvertible debt borrowing 36 SFAS No. 36 Nortel strategic alliances 36 lien RMBS 36 AspenTech periodic reports 36 SOURCECORP disclaims 36 Note Movie showtimes 36 #.#-# mln [001] 36 Excluding goodwill impairment 36 & CAE Unpaid 36 assumptions underlying 36 refl ect 36 -Laemmle Music 36 DERS 36 Chief Executive Jacques Aigrain 36 Cytiva SonicPerform employee 36 yet determinable 36 unforeseen underperformance 36 goodwill impairment 36 KRIs 36 backtest 36 equity accounted investees 36 Supplemental Schedules 36 annualization 36 JasmineSola brand 36 Sharpe Ratio 36 EBITDA adjusted EBITDA 36 Equity indexed annuities 36 reinsurance commutation 36 reflect VIQ Solutions 36 reinsurance recoverables owed 36 Toromocho Project 36 rebasing 36 mso font pitch 36 Amortized 36 distributable earnings 36 postretirement liabilities 36 pro formas 36 pure fructose 36 Items excluded 36 pension curtailment 36 noncash goodwill impairment 36 pretax noncash charges 36 #l k 36 adjusted EBITDAR 36 Unfavourable 36 underwriting reserving 36 Imagify exceeds 36 principal paydowns 36 VIOXX Lawsuits 36 #illustrate how 36 sampling variability 36 Ankershoffen declined 36 Partially offset 36 Tulsequah Project 36 Infor expressly disclaims 36 Alan Glickstein 36 Pension Bima Yojana 36 Timeshare segment 36 intangible impairment 36 From Operations AFFO 36 anyforward looking 36 Embedded Derivatives 36 deCODE undertakes 36 borrower creditworthiness 36 OBR forecasts 36 annualisation 36 logistic regression models 36 downward repricing 36 FACT CHECK Stimulus 36 millioncompared 36 Non IFRS 36 online Retirement Estimator 36 FASB ASC #-# 36 affecting Amarin 36 - -Sam Cammack 36 Univariate 35 Somewhat mitigating 35 noncash unrealized 35 contingently issuable shares 35 Compensation Expenses 35 #/bbl WTI 35 Critical Accounting 35 #,#.# #,#.# Prepaid 35 FAS #-# 35 Downward revisions 35 PGP Acquisition 35 inherent cyclicality 35 Pro forma EPS 35 generic Depakote 35 unrealized hedging 35 CIGNA HealthCare refers 35 consolidated balance sheets 35 pelicans admired seashells 35 TFC receivables 35 obsolete inventory 35 perinatal morbidity 35 xxxiii 35 update anyforward looking 35 Alan Glickstein senior 35 adjusted distributable cash 35 -Amos Harel Haaretz Correspondent 35 - - Nesignandsight newsletter 35 interfund 35 inherited IRAs 35 latimes.com horoscope 35 OPEB liability 35 Derivative instruments 35 calculating FFO 35 SEK -#.# [003] 35 uncontrollables 35 Multiple logistic regression 35 reinsurance cessions 35 unfavorable fluctuation 35 Halotron revenues 35 sociodemographic characteristics 35 - Adjusted [013] 35 ix discrepancies 35 probabilistic methods 35 valuation metrics 35 nonqualifying hedges 35 Nitram backlog 35 Replacement Ratio 35 StanCERA 35 developments affecting SIAF 35 Black Scholes 35 #.#x #.#x [003] 35 reimbursement arrangements HRAs 35 FSP EITF #-#-# [002] 35 Expensing options 35 Assessed valuations 35 ARS# #mn 35 valuation methodologies 35 flow hedges 35 redistributional 35 noticeably thinner stark 35 subclassified based 35 MTFP 35 #/oz Au [002] 35 multiline insurer 35 FSAH 35 Market Disruption 35 Joseph M. Zubretsky 35 risks associatedwith 35 skyjacker Reaganomics 35 NAMCS 35 property revaluations 35 Banks.com s 35 Salary.com expressly disclaims 35 backtests 35 expectations anticipations assumptions 35 Based Compensation 35 nonvested 35 econometric models 35 pension schemes 35 MPSERS 35 SGARA 35 Adjusted EBIDTA 35 Defined Contribution Plan 35 HbA1C levels 35 relate thereto 35 undrawn revolver 35 Reconciliation Tables 35 CRITICAL ACCOUNTING ESTIMATES 35 Polyethylene terephthalate 35 interannual 35 #.#/lb molybdenum 35 HudBay undertakes 35 subjective determinations 35 SROI 35 uncertainties materialize Shire plc 35 Based Payment SFAS 35 reclassed 35 loan paydowns 35 Retirement System CSRS 35 AMWO 35 SuperMedia specializes 35 generalized linear 35 forward lookingstatements 35 reevaluations 35 mitigants 35 unrealized appreciation 35 Partnered Brands segment 35 - AdjusETON 35 Consolidated OIBDA 35 APOE genotype 35 Specified Items 35 diminishing quantities 35 realizable value 35 InSite Vision undertakes 35 i2 expressly disclaims 35 calculating 35 - Expenses [006] 35 futureresults 35 gulfshorelife.com prior 35 contingent liabilities 35 prices drydocking 35 offuture 35 macro economic 35 Excess Cash Flow 35 Brian Klimowski meteorologist 35 scheme ELSS 35 unlevered 35 asset impairment 35 BPE Segment 35 uncollected receivables 35 AJM Petroleum Consultants AJM 35 Immtech clinical trials 35 policies 35 evaluating Questcor 35 lifestyling 35 Rebates receivable 35 loan origination fees 35 Amended PCC 35 chasers motivations 35 NPV8 35 dividing noninterest expense 35 CVD mortality 35 Liberal Centrists 35 Analyst Richard Withagen 35 AMF Ultra Short 35 per dilutedshare 35 GigaMedia cautions readers 35 Paul Fronstin EBRI 35 MDRD 35 pd ratings 35 -Edelsberg 35 significantly tougher comparatives 35 Radian Asset 35 Postemployment 35 SFAS 35 NPRF 35 THB# #mn 35 confidence intervals CIs 35 Depreciation Amortization Taxes 35 #-#/tonne CIF NWE 35 Standardized Distributable Cash 35 capital employed ROACE 35 hedges 35 Luna Innovations undertakes 35 impacting WesBanco