In November 2010, Travelers entered into a joint venture agreement under which the company would invest in J. Malucelli ParticipaƧƵes em Seguros e Resseguros S.A., the market leader in the surety insurance business in Brazil. The transaction closed in June 2011 with Travelers acquiring a 43.4 percent interest. Travelers' investment in newly issued shares significantly increased J. Malucelli's capital level, positioning it for substantial growth in Brazil. At the time, Travelers had the option to increase its investment to retain a 49.5 percent interest, which the company later did in 2012.[23]

Exposure to the great outdoors comes with immeasurable health benefits, but as our lives continue to get busier, it becomes harder to spend time outdoors. Humana and NPF are celebrating the significant benefits of spending time outdoors in our new Owners Guide by offering tips on how to start replenishing and refreshing your mind, body, and spirit in a national park.
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