Radian Group Inc. Notes to Consolidated Financial Statements - (Continued) The following table includes information as of  December 31, 2012 regarding our financial guaranty claim liabilities,  segregated by the surveillance categories that we use in monitoring the risks related to these contracts:  A net claim liability is established for a performing credit if there is evidence that credit deterioration has occurred and  the expected loss on the credit exceeds the unearned premium revenue for the contract based on the present value of the  expected net cash outflows. Included in accounts and notes receivable and unearned premiums on our consolidated balance  sheets are the present value of premiums receivable and unearned premiums that are received on an installment basis.  The  premiums receivable is net of commissions on assumed reinsurance business.  The present values of premiums receivable and  unearned premiums that are received on an installment basis as of  December 31, 2012 and 2011 are as follows: 232 December 31, (In thousands) 2012 2011 Premiums receivable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 28,929 $ 34,287 Unearned premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33,605 39,773 Surveillance Categories ($ in thousands) Performing Special Mention Intensified Surveillance Case Reserve Total Number of policies . . . . . . . . . . . . . . . . . . . 10 121 73 111 315 Remaining weighted-average contract period (in years) . . . . . . . . . . . . . . . . . . . . . 21 18 20 27 20 Insured contractual payments outstanding: Principal . . . . . . . . . . . . . . . . . . . . . . . $ 2,313 $ 951,361 $ 669,083 $ 339,556 $ 1,962,313 Interest . . . . . . . . . . . . . . . . . . . . . . . . 232 543,648 365,705 169,268 1,078,853 Total . . . . . . . . . . . . . . . . . . . . . . . $ 2,545 $ 1,495,009 $ 1,034,788 $ 508,824 $ 3,041,166 Gross claim liability . . . . . . . . . . . . . . . . . . $ — $ 16,884 $ 266,977 $ 86,032 $ 369,893 Less: Gross potential recoveries . . . . . . . . . . — 678 293,175 66,351 360,204 Discount, net . . . . . . . . . . . . . . . . . . . . — 2,586 (71,939) 1,199 (68,154) Net claim liability (prior to reduction for unearned premium) . . . . . . . . . . . . . . . . . . $ — $ 13,620 $ 45,741 $ 18,482 $ 77,843 Unearned premium revenue . . . . . . . . . . . . $ 31 $ 22,675 $ 12,142 $ — $ 34,848 Net claim liability reported in the balance sheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ — $ 6,541 $ 39,268 $ 18,482 $ 64,291 Reinsurance recoverables . . . . . . . . . . . . . . $ — $ — $ — $ — $ —