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Three years https://richards.energy/stmap_38ilarsy.html?amoxil.clopidogrel.cialis.pa... what does mpf stand for in lidocaine The combined operating ratio (COR), which is a measure of premiums coming in minus insurance claims paid out, was very impressive at 81pc compared with 99pc in the equivalent period of 2012. For example, Aviva’s COR in the first half was a more modest 96.2pc.