The Hartford Financial Services Group Inc., Hartford, Conn., hasreported second-quarter net income of $602 million, a 39 percentincrease over the $433 million reported for the period lastyear.

The combined ratio decreased to 87 from 91.4 last year while thecatastrophe ratio declined to 1.7 from 2.4.

Personal lines saw earned premium growth of 6 percent to $914million up from $861 million during the period last year.

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