Exhibit 1-4

A line chart that compares actual losses and the CLR estimate with bounded failure rate subjectivity for the period 1997-2002. Differences between the existing CLR estimates and CLR estimates with bounded failure rates are indicated by shaded portions of the chart. The differences highlighted from 1997 to 1999 and from 2001 to 2002 indicate that failure rates chosen with bounded subjectivity would improve estimates of the contingent loss reserve.