The ratings also consider the group's continued focus on ERM, and the implicit and explicit financial and organizational support provided by Loews Corporation. Partially offsetting these positive rating factors are the intermittent adverse impacts of CNA's discontinued long-term care program that at times serves as a drag on CNA's overall profitability and exposes its surplus and risk-adjusted capitalization to potential volatility. Additional factors affecting the group's credit profile is its moderate underwriting exposure to catastrophe losses, associated with its commercial property product lines (and notwithstanding the group's overall emphasis on commercial and specialty casualty lines), and reserve uncertainties generally affecting litigation-sensitive casualty lines – which comprise the majority of CNA's in-force business, cyber-related and other underwriting exposures.