As shown in the chart below, as of December 31, 2012, our 2009 through 2012 mortgage insurance portfolios represented  almost 45% of our total mortgage insurance portfolio.  These origination years possess significantly improved credit  characteristics compared to our pre-2009 portfolios.  The growth of the post-2008 portion of our portfolio, together with  continued improvement in the portfolio as a result of HARP  refinancings, has resulted in significant improvement in the credit  quality of our overall mortgage insurance portfolio.  As a result, our expected losses on our post-2008 mortgage insurance  portfolios is significantly lower than our pre-2009 portfolios, and therefore, should better position the mortgage insurance  segment. The following tables provide selected information as of and for the periods indicated related to mortgage insurance NIW ,  RIF and insurance in force:  Year Ended December 31, ($ in millions) 2012 2011 2010 Primary NIW Prime . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 37,041 99.9% $ 15,499 99.9% $ 11,553 100.0% Alternative-A (“Alt-A”). . . . . . . . . . . . . . . . 2 — 2 — — — A minus and below . . . . . . . . . . . . . . . . . . . 18 0.1 9 0.1 5 — Total Primary . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 37,061 100.0% $ 15,510 100.0% $ 11,558 100.0% 98