The following table shows the direct RIF (by form of insurance and loan type), before consideration of reinsurance,  associated with our mortgage insurance segment as of  December 31, 2012 and 2011: The following discussion mainly focuses on our direct primary RIF , which represents approximately 94.5% of our total  mortgage insurance RIF at December 31, 2012. For additional information regarding our pool and non-traditional mortgage  insurance RIF, see “—Business—Mortgage Insurance—Business—T raditional Risk” and “—Business—Mortgage Insurance— Business— Non-Traditional Risk .” We analyze our portfolio in a number of ways to identify any concentrations or imbalances in risk dispersion.  We believe  the performance of our mortgage insurance portfolio is af fected significantly by:  The following table shows our RIF by year of origination and selected information related to that risk as of  December 31,  2012: (1)  Fair Isaac Corporation (“FICO”). 1.  Direct Primary RIF by Year of Policy Origination •  the characteristics of the loans insured (including loan-to-value (“L TV”), purpose of the loan, type of loan  instrument and type of underlying property securing the loan). •  the quality of underwriting decisions at loan origination; and •  the geographic dispersion of the properties securing the insured loans and the condition of the housing market; •  the age of the loans insured; •  general economic conditions (in particular home prices and unemployment); December 31, (In millions) 2012 2011 Primary: Prime. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 30,348 $ 26,011 Alt-A. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,404 2,825 A minus and below. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,620 1,856 Total Primary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34,372 30,692 Pool . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,834 2,068 Second-lien . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 94 131 NIMS and other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 83 Total Direct Mortgage Insurance RIF. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 36,354 $ 32,974 December 31, 2012 ($ in millions) RIF  Number of Defaults Delinquency  Rate Percentage of Reserve for Losses Average  FICO (1) at  Origination Original  Average LTV 2005 and prior. . . . . . . . . . $ 5,657 34,542 17.9% 31.9% 682 91.1% 2006. . . . . . . . . . . . . . . . . . 2,735 16,110 23.1 17.9 690 92.1 2007. . . . . . . . . . . . . . . . . . 6,059 28,476 22.3 35.8 702 93.4 2008. . . . . . . . . . . . . . . . . . 4,582 12,299 13.3 12.9 728 91.8 2009. . . . . . . . . . . . . . . . . . 2,021 1,154 2.6 1.1 756 90.4 2010. . . . . . . . . . . . . . . . . . 1,726 273 0.8 0.3 765 91.0 2011. . . . . . . . . . . . . . . . . . 2,956 205 0.4 0.1 762 91.6 2012. . . . . . . . . . . . . . . . . . 8,636 110 0.1 — 761 91.7 Total. . . . . . . . . . . . . . $ 34,372 93,169 100.0% 11