INDEX TO MD&A
                                                 Page                                                               Page
  Objective                                      29            Results of Operations - Fourth Quarter               51
  Overview                                       29            Segmented Statement of Earnings                      51
  Critical Accounting Policies                   30            Property and Casualty Insurance                      53
  Liquidity and Capital Resources                31            Holding Company, Other and Unallocated               63
                                                               Real Estate 

Entities Acquired from the

  Ratios                                         31          Annuity 
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Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our

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AmEx is doing a U-turn to get back into financial planning now that competitors VISA and Mastercard are expressing an interest in the business.

American Express is marketing financial planning, again, 16 years after spinning off its 10,700-advisor planning mega-unit to concentrate on high-end credit cards. 

In July, the New

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