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The Progressive Insurance Company, Mayfield, Ohio, is finding both top- and bottom-line growth more challenging to achieve, said its chief executive officer in the annual report released yesterday.

Glenn Renwick said that while net written premium last year rose 5 percent over 2004, “this is the smallest gain of the last five years in both absolute and percentage terms, but not out of synch with our expectations or our forecast of industrywide auto premiums for 2005.”

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