Commitments and Contingencies (Tables)

6 Months Ended

Jun. 30, 2011

Commitments and Contingencies

Summary of composition of mortgage loans originated, by loan type; credit score; and loan-to-value ratio

	SIX MONTHS
	ENDED
	JUNE 30,		TWELVE MONTHS ENDED DECEMBER 31,
	2011		2010		2009		2008		2007		2006
Prime	40.5	%	34.9	%	32.9	%	51.8	%	72.0	%	68.8	%
Government (FHA/VA)	59.5		65.1		67.1		48.2		20.1		6.9
Alt A	-		-		-		-		7.5		21.8
Subprime	-		-		-		-		0.4		2.5
Total	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%
Average FICO credit score	729		723		717		711		713		715
Average combined loan-to-value ratio	90.4	%	90.8	%	91.4	%	90.1	%	89.1	%	88.4	%

Schedule of changes in loan loss reserves

(in thousands)	2011			2010
Balance at January 1	$	8,934		$	17,875
Provision for losses	(18		)	7,200
Settlements made	(140		)	(10,117		)
Balance at June 30	$	8,776		$	14,958

Changes in the entity's product liability reserves

(in thousands)	2011			2010
Balance at January 1	$	20,112		$	24,268
Warranties issued	1,275			2,500
Changes in liability for accruals related to pre-existing warranties	706			3,615
Settlements made	(2,784		)	(5,901		)
Balance at June 30	$	19,309		$	24,482

Changes in RHIC's insurance reserves

(in thousands)	2011			2010
Balance at January 1	$	21,141		$	25,069
Insurance expense provisions or adjustments	-			-
Loss expenses paid	(967		)	(358		)
Balance at June 30	$	20,174		$	24,711