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In 4Q15, $XL's net premiums earned rose 66.2% to $2.4Bil. Net investment income fell 4.7% to $215.5MM. P&C combined ratio was 92.3% versus 84.5% in 4Q14. Natural catastrophe pre-tax losses, net of reinsurance and reinstatement premiums, was $107.8MM versus $31.7MM YoverY.
No better outlook on $MSFT. Even if the results beat a bit, the stock may move 4 to 6% higher, but won't go above $60.