The table set forth below summarizes the insurance reserve activity for the three and six months ended June 30, 2012 and 2011. The insurance reserve is included in accounts payable and accrued liabilities in the Financial Services segment of the accompanying balance sheets.


	Three Months Ended June 30,					Six Months Ended June 30,
	2012		2011			2012			2011
			(Dollars in thousands)
Balance at beginning of year	$	44,922	$	52,031		$	50,459		$	52,901
Expense provisions		909		587			1,553			1,067
Cash payments		—		(656	)		(6,181	)		(2,006	)
Adjustments		—		348			—			348

Balance at end of period	$	45,831	$	52,310		$	45,831		$	52,310