The company noted that this class action lawsuit settlement will have no impact on earnings and capital in 2007, as it has accrued $74.25 million in 2005 for the potential settlement of the class action lawsuit.

Today, the 5th Circuit plans to hear an appeal on a Mississippi-based Katrina insurance coverage claim. The trial judge told these policyholders, a couple who believes their home suffered $130,253 in damages from the storm, that their policy did not cover damage resulting from a combination of water and wind. This distinction has been the subject of a great number of Katrina-related insurance disputes.

Last week, the 5th Circuit ruled against Katrina-affected insurance policyholders and overturned a U.S. District Court ruling that insurance companies had to pay its policyholders’ Katrina-related claims. The previous ruling held that ambiguous policy provisions made it unclear which forms of storm damage were covered, while the most recent ruling states that the policy is unambiguous.

Five days before Troy Anthony Davis' scheduled execution, Brenda Forrest got a call from her husband of eight years.

He had just heard a report on a Chicago radio station about a convicted cop killer from their hometown of Savannah. The report said serious questions had surfaced about whether the man was actually guilty of the 1989 murder.

"Oh my God," Forrest said, finally letting go of the secret she had kept. "I was on that jury. I've got to get involved."

The next day, Forrest called lawyers at the Georgia Resource Center, whose attorneys help represent Davis. She reviewed recanted testimonies of seven of nine trial witnesses and also the affidavits of others who had stepped forward with additional information. Some implicated another man in the murder of Officer Mark Allen MacPhail.

Forrest signed a sworn statement of her own:

"I have some serious doubts about the justness of Mr. Davis' death sentence. I find it very troubling that the jury's sentence was based upon incomplete and unreliable evidence. If I had been aware of this newly gathered evidence and had the benefit of it at trial, I would not have sentenced Mr. Davis to death."

Three other jurors in Davis' 1991 trial signed similar statements that his defense lawyers presented to the Georgia Board of Pardons and Paroles at a hearing on July 16, the day before Davis was set to die.

Curtis Wilson, Isaiah Middleton and Cynthia Quarterman also expressed concerns as to the fairness of Davis' punishment given after reviewing the revised testimonies.

The clemency board temporarily stayed Davis' execution.

On Friday, the Georgia Supreme Court agreed to hear Davis' request that he be granted a new trial. A spokeswoman for the clemency board said it would announce today if would hold a hearing previously scheduled for Thursday after the five board members have reviewed the Supreme Court's decision to hear the case.

Forrest said she believes Davis should not be put to death until the new evidence in his case is examined by a judge or jury. No court has yet seen the new information because of a 1996 federal law designed to streamline capital cases and place a time limit on inmate appeals.

"I can't say for sure if he's guilty or not, but he deserves to be heard," Forrest said.

It's not common to have four jurors change their minds based on new evidence, said one legal expert who has been studying capital case juries for 15 years.

"In this case, the fact that there are any jurors, but especially four with doubts about the death penalty, would sort of indicate that chances of a life sentence would be significant," said Scott Sundby, law professor at Washington & Lee University.

Because of the federal law, however, the difficulty is getting any forum to hear from Davis' defense attorneys, Sundby said. "I am impressed that the pardons board is open to this evidence," he said.

Sundby said a lot is asked of jurors who must make a decision of life and death.

"One of their greatest frustrations is when they have gone through this process and then they find out they didn't have the full picture," he said. "There is a sense of betrayal on their part. Their view is: You asked us to condemn someone to death, and we didn't have all the facts."

Forrest knows that if Davis' execution is carried out, it will be done in her name.

Since the trial, she has wrestled with her faith and the moral correctness of the death penalty. She is troubled by the case even more now that she has read the new testimony.

Forrest was 35 and working as a chemist when she was called for jury duty. She said few of the witnesses seemed like upstanding citizens, and she questioned their credibility.

"They were not people who were believable," Forrest said in a telephone interview from her office in Chicago, where she relocated in 1999.

The jury of seven blacks and five whites deliberated for one hour and 57 minutes before returning a verdict.

In the somber jury room, Forrest said her fellow jurors debated the testimony of Harriet Murray, who testified that she saw Davis with a "smirky-like smile" on his face when he shot MacPhail. The jury found her story compelling but discussed whether she could have really seen what was happening from a distance and in the darkness of night, Forrest recalled.

After the trial, in a 2002 affidavit, Murray was more ambiguous about who she saw that night. She no longer named Davis as the killer. Murray has since died.

Other jurors, Forrest said, talked about Davis' demeanor. She always thought he had a look of resignation.

There was a conversation about possible innocence. Is there any doubt about Davis' guilt based on what we heard? the jurors asked themselves.

Then they wrote down their verdicts. It was unanimous.

"I was under oath to vote according to the evidence we heard," she said. "I was compelled to agree [he was guilty] at the time.'

But the trial troubled Forrest. She never spoke about it with anyone, not even with the man she later married.

She got on with her new life, far from Savannah, far from the prison at Jackson, where Davis has been on death row for 16 years.

"What I did was put it out of my mind," she said.

After reviewing the new defense documents, she was eager to know what the clemency board would decide. "I was sitting on pins and needles to see if he got a stay," she said.

Now, like every other interested party in the case, Forrest has to wait longer.

If Davis winds up being executed, Forrest says she will have to live with herself. It will haunt her until her own death.

Oliver W. Hill, a civil rights lawyer who was at the front of the legal effort that desegregated public schools, has died at age 100, a family friend said.

Hill died peacefully Sunday at his home during breakfast, said Joseph Morrissey, a friend of the Hill family.

In 1954, he was part of a series of lawsuits against racially segregated public schools that became the U.S. Supreme Court's landmark Brown v. Board of Education decision, which changed America's society by setting the foundation for integrated education.

"He was among the vanguard in seeking equal opportunity for all individuals, and he was steadfast in his commitment to effect change. He will be missed," said L. Douglas Wilder, who in 1989 became the nation's first elected black governor and was a confidant of Hill's. Wilder is now Richmond's mayor.

In 1940, Hill won his first civil rights case in Virginia, one that required equal pay for black and white teachers. Eight years later, he was the first black elected to Richmond's City Council since Reconstruction.

A lawsuit argued by Hill in 1951 on behalf of students protesting deplorable conditions at their high school for blacks in Farmville became one of five cases decided under Brown.

Those battles to end the Jim Crow era were dangerous ones for Hill and other civil rights leaders. Hill once received so many threats that he and his wife, Berensenia, would not allow their son to answer the telephone.

Nor did his battle for civil rights bring him wealth.

"We got very few fees for any of this," he said in a 1992 interview in The Richmond News Leader.

Hill never lost sight of the importance of the 1954 court ruling. Without it, he said in an interview in the Richmond Times-Dispatch this year, "I doubt (the Rev. Martin Luther) King would have gotten to first base."

Hill was born May 1, 1907, and his father left when Hill was an infant. His mother remarried, and Hill took the name of his stepfather. He moved with his family to Roanoke, where he spent much of his childhood.

His mother was a maid and his stepfather was a bellman at an exclusive resort about 70 miles from Roanoke. While his parents worked, Hill stayed with a family that he says instilled in him pride in his black heritage.

"Consequently, from childhood I developed personal esteem and expected white folks to treat me like they did one another in such settings," Hill wrote in his autobiography.

Later, his family moved to Washington, where he graduated from high school and graduated second in his class from Howard University's law school in 1933. The top law graduate that year was his friend Thurgood Marshall.

Marshall and Hill were part of the NAACP Legal Defense and Education Fund team that fought the desegregation case to the Supreme Court. They remained close friends after Marshall became the court's first black justice.

He had recalled that when he started his law career, the court clerks in the building that housed the state Supreme Court of Appeals and law library allowed him to review legal books over weekends with the understanding that he would return them Monday mornings - "quite a gesture for those days," Hill said.

Two years ago, that building - now a century old and renovated - was renamed in Hill's honor. Though frail, he attended the 2005 dedication and, in a statement read by his son, said: "Who would have thought back in 1939, given the racial climate at the time, that 66 years later that building would be named after me."

Also in 2005, the National Association for the Advancement of Colored People honored Hill with its Spingarn Award for distinguished achievement. Earlier winners included King, home run record holder Hank Aaron, the Rev. Jesse Jackson and Rosa Parks.

Though blind and in a wheelchair in recent years, Hill remained active in social and civil rights causes. He remained active in the day-to-day operations of his law firm until 1998. The next year, he received the Presidential Medal of Freedom, the nation's highest civilian honor, from President Bill Clinton.

In 2003, Hill urged a Virginia legislative committee to support a resolution expressing "profound regret" for what was known in the 1950s as "Massive Resistance," the state-led effort to defy the Supreme Court's desegregation order. Rather than desegregate, Virginia chose to close entire public schools.

This past May, state officials unveiled images of a memorial planned on the state Capitol grounds in Richmond that features Hill and the students who staged the 1951 walkout at Farmville. The $2.6 million monument is to be unveiled next July. He also greeted Queen Elizabeth II during her visit to the state Capitol to commemorate the 400th anniversary of the founding of Jamestown, the first permanent English settlement in North America.