﻿<?xml version="1.0" encoding="utf-8"?>
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <roleRef xlink:type="simple" xlink:href="us-gaap-ins-2004-08-15.xsd#Notes" roleURI="http://www.xbrl.org/us/fr/lr/role/Notes" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-ins-2004-08-15.xsd#TotalStockholdersEquityCalculation" roleURI="http://www.xbrl.org/us/fr/lr/role/TotalStockholdersEquityCalculation" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-ins-2004-08-15.xsd#StatementStockholdersEquity" roleURI="http://www.xbrl.org/us/fr/lr/role/StatementStockholdersEquity" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-ins-2004-08-15.xsd#StatementCashFlowsDirect" roleURI="http://www.xbrl.org/us/fr/lr/role/StatementCashFlowsDirect" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-ins-2004-08-15.xsd#StatementCashFlowsIndirect" roleURI="http://www.xbrl.org/us/fr/lr/role/StatementCashFlowsIndirect" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-ins-2004-08-15.xsd#IncomeStatement" roleURI="http://www.xbrl.org/us/fr/lr/role/IncomeStatement" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-ins-2004-08-15.xsd#StatementFinancialPosition" roleURI="http://www.xbrl.org/us/fr/lr/role/StatementFinancialPosition" />
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/StatementFinancialPosition" xlink:title="Statement of Financial Position - Insurance Entities">
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Assets" xlink:label="usfr-pt_Assets" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_InvestmentsCurrentNoncurrent" xlink:label="usfr-fst_InvestmentsCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_InvestmentsCurrentNoncurrent" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MarketableSecuritiesCurrentNoncurrent" xlink:label="usfr-pt_MarketableSecuritiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-pt_MarketableSecuritiesCurrentNoncurrent" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MarketableSecuritiesCurrentTradingSecurities" xlink:label="usfr-pt_MarketableSecuritiesCurrentTradingSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesCurrentNoncurrent" xlink:to="usfr-pt_MarketableSecuritiesCurrentTradingSecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_TradingSecuritiesEncumbered" xlink:label="usfr-fst_TradingSecuritiesEncumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesCurrentTradingSecurities" xlink:to="usfr-fst_TradingSecuritiesEncumbered" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_TradingSecuritiesUnencumbered" xlink:label="usfr-fst_TradingSecuritiesUnencumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesCurrentTradingSecurities" xlink:to="usfr-fst_TradingSecuritiesUnencumbered" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:label="usfr-pt_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesCurrentNoncurrent" xlink:to="usfr-pt_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleEquitySecurities" xlink:label="usfr-fst_SecuritiesAvailableSaleEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fst_SecuritiesAvailableSaleEquitySecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleEquitySecuritiesCommonStockFairValue" xlink:label="usfr-fst_SecuritiesAvailableSaleEquitySecuritiesCommonStockFairValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleEquitySecurities" xlink:to="usfr-fst_SecuritiesAvailableSaleEquitySecuritiesCommonStockFairValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleEquitySecuritiesPreferredStockFairValue" xlink:label="usfr-fst_SecuritiesAvailableSaleEquitySecuritiesPreferredStockFairValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleEquitySecurities" xlink:to="usfr-fst_SecuritiesAvailableSaleEquitySecuritiesPreferredStockFairValue" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" xlink:label="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleUSTreasuryOtherUSGovernmentCorporationsAgencies" xlink:label="usfr-fst_SecuritiesAvailableSaleUSTreasuryOtherUSGovernmentCorporationsAgencies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" xlink:to="usfr-fst_SecuritiesAvailableSaleUSTreasuryOtherUSGovernmentCorporationsAgencies" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleStatesWithinUSPoliticalSubdivisionsStates" xlink:label="usfr-fst_SecuritiesAvailableSaleStatesWithinUSPoliticalSubdivisionsStates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" xlink:to="usfr-fst_SecuritiesAvailableSaleStatesWithinUSPoliticalSubdivisionsStates" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleDebtSecuritiesIssuedByForeignGovernments" xlink:label="usfr-fst_SecuritiesAvailableSaleDebtSecuritiesIssuedByForeignGovernments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" xlink:to="usfr-fst_SecuritiesAvailableSaleDebtSecuritiesIssuedByForeignGovernments" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleCorporateDebtSecurities" xlink:label="usfr-fst_SecuritiesAvailableSaleCorporateDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" xlink:to="usfr-fst_SecuritiesAvailableSaleCorporateDebtSecurities" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleMortgageBackedSecurities" xlink:label="usfr-fst_SecuritiesAvailableSaleMortgageBackedSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" xlink:to="usfr-fst_SecuritiesAvailableSaleMortgageBackedSecurities" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleOtherDebtSecurities" xlink:label="usfr-fst_SecuritiesAvailableSaleOtherDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_SecuritiesAvailableSaleFixedMaturitiesFairValue" xlink:to="usfr-fst_SecuritiesAvailableSaleOtherDebtSecurities" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleEncumbered" xlink:label="usfr-fst_SecuritiesAvailableSaleEncumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fst_SecuritiesAvailableSaleEncumbered" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesAvailableSaleUnencumbered" xlink:label="usfr-fst_SecuritiesAvailableSaleUnencumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fst_SecuritiesAvailableSaleUnencumbered" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:label="usfr-pt_MarketableSecuritiesHeldMaturityCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesCurrentNoncurrent" xlink:to="usfr-pt_MarketableSecuritiesHeldMaturityCurrentNoncurrent" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" xlink:label="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesCorporateDebtSecurities" xlink:label="usfr-fst_HeldMaturitySecuritiesCorporateDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" xlink:to="usfr-fst_HeldMaturitySecuritiesCorporateDebtSecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesDebtSecuritiesIssuedByForeignGovernments" xlink:label="usfr-fst_HeldMaturitySecuritiesDebtSecuritiesIssuedByForeignGovernments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" xlink:to="usfr-fst_HeldMaturitySecuritiesDebtSecuritiesIssuedByForeignGovernments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesMortgageBackedSecurities" xlink:label="usfr-fst_HeldMaturitySecuritiesMortgageBackedSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" xlink:to="usfr-fst_HeldMaturitySecuritiesMortgageBackedSecurities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesOtherDebtSecurities" xlink:label="usfr-fst_HeldMaturitySecuritiesOtherDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" xlink:to="usfr-fst_HeldMaturitySecuritiesOtherDebtSecurities" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesStatesWithinUSPoliticalSubdivisionsStates" xlink:label="usfr-fst_HeldMaturitySecuritiesStatesWithinUSPoliticalSubdivisionsStates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" xlink:to="usfr-fst_HeldMaturitySecuritiesStatesWithinUSPoliticalSubdivisionsStates" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesUSTreasuryOtherUSGovernmentCorporationsAgencies" xlink:label="usfr-fst_HeldMaturitySecuritiesUSTreasuryOtherUSGovernmentCorporationsAgencies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_HeldToMaturitySecuritiesDebtAmortizedCost" xlink:to="usfr-fst_HeldMaturitySecuritiesUSTreasuryOtherUSGovernmentCorporationsAgencies" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturityEquitySecuritiesPreferredStockAmortizedCost" xlink:label="usfr-fst_HeldMaturityEquitySecuritiesPreferredStockAmortizedCost" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fst_HeldMaturityEquitySecuritiesPreferredStockAmortizedCost" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesEncumbered" xlink:label="usfr-fst_HeldMaturitySecuritiesEncumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fst_HeldMaturitySecuritiesEncumbered" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_HeldMaturitySecuritiesUnencumbered" xlink:label="usfr-fst_HeldMaturitySecuritiesUnencumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fst_HeldMaturitySecuritiesUnencumbered" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetLoansHeldPortfolioMortgageLoans" xlink:label="usfr-fst_NetLoansHeldPortfolioMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_NetLoansHeldPortfolioMortgageLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LoansLoansHeldPortfolioCommercialRealEstate" xlink:label="usfr-fst_LoansLoansHeldPortfolioCommercialRealEstate" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_NetLoansHeldPortfolioMortgageLoans" xlink:to="usfr-fst_LoansLoansHeldPortfolioCommercialRealEstate" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LoansLoansHeldPortfolioResidentialRealEstateLoans" xlink:label="usfr-fst_LoansLoansHeldPortfolioResidentialRealEstateLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_NetLoansHeldPortfolioMortgageLoans" xlink:to="usfr-fst_LoansLoansHeldPortfolioResidentialRealEstateLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetLoansAllowanceLoanLeaseLossesMortgageLoans" xlink:label="usfr-fst_NetLoansAllowanceLoanLeaseLossesMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_NetLoansHeldPortfolioMortgageLoans" xlink:to="usfr-fst_NetLoansAllowanceLoanLeaseLossesMortgageLoans" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LoansLoansHeldPortfolioPolicyLoans" xlink:label="usfr-fst_LoansLoansHeldPortfolioPolicyLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_LoansLoansHeldPortfolioPolicyLoans" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fst_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CollateralBorrowedSecuritiesCash" xlink:label="usfr-fst_CollateralBorrowedSecuritiesCash" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_CollateralBorrowedSecuritiesCash" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AssetsHeldSaleCurrentNoncurrent" xlink:label="usfr-pt_AssetsHeldSaleCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-pt_AssetsHeldSaleCurrentNoncurrent" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_InvestmentsLimitedPartnerships" xlink:label="usfr-fst_InvestmentsLimitedPartnerships" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_InvestmentsLimitedPartnerships" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_InvestmentsRealEstate" xlink:label="usfr-fst_InvestmentsRealEstate" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_InvestmentsRealEstate" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_InvestmentsRealEstateJointVentures" xlink:label="usfr-fst_InvestmentsRealEstateJointVentures" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_InvestmentsRealEstateJointVentures" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_InvestmentsShortTermFairValue" xlink:label="usfr-fst_InvestmentsShortTermFairValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_InvestmentsShortTermFairValue" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MarketableSecuritiesOtherInvestmentsCurrentNoncurrent" xlink:label="usfr-fst_MarketableSecuritiesOtherInvestmentsCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_InvestmentsCurrentNoncurrent" xlink:to="usfr-fst_MarketableSecuritiesOtherInvestmentsCurrentNoncurrent" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CashCashEquivalents" xlink:label="usfr-pt_CashCashEquivalents" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_CashCashEquivalents" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_UnrestrictedCash" xlink:label="usfr-pt_UnrestrictedCash" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_UnrestrictedCash" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AccruedInvestmentIncome" xlink:label="usfr-fst_AccruedInvestmentIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_AccruedInvestmentIncome" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PremiumsReceivableNet" xlink:label="usfr-fst_PremiumsReceivableNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_PremiumsReceivableNet" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PremiumsReceivableGrossPremiumsReceivable" xlink:label="usfr-fst_PremiumsReceivableGrossPremiumsReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PremiumsReceivableNet" xlink:to="usfr-fst_PremiumsReceivableGrossPremiumsReceivable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PremiumsReceivableAllowanceDoubtfulAccounts" xlink:label="usfr-fst_PremiumsReceivableAllowanceDoubtfulAccounts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PremiumsReceivableNet" xlink:to="usfr-fst_PremiumsReceivableAllowanceDoubtfulAccounts" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_BrokerDealerRelatedReceivables" xlink:label="usfr-fst_BrokerDealerRelatedReceivables" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_BrokerDealerRelatedReceivables" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ReinsuranceReceivable" xlink:label="usfr-fst_ReinsuranceReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_ReinsuranceReceivable" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ReinsuranceRecoverable" xlink:label="usfr-fst_ReinsuranceRecoverable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_ReinsuranceRecoverable" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AmountsDueFromRelatedParties" xlink:label="usfr-fst_AmountsDueFromRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_AmountsDueFromRelatedParties" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccountsReceivableRelatedPartyCurrent" xlink:label="usfr-pt_AccountsReceivableRelatedPartyCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueFromRelatedParties" xlink:to="usfr-pt_AccountsReceivableRelatedPartyCurrent" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NotesReceivableRelatedPartyCurrentNonCurrent" xlink:label="usfr-pt_NotesReceivableRelatedPartyCurrentNonCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueFromRelatedParties" xlink:to="usfr-pt_NotesReceivableRelatedPartyCurrentNonCurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DueFromOfficersStockholdersCurrentNoncurrent" xlink:label="usfr-pt_DueFromOfficersStockholdersCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueFromRelatedParties" xlink:to="usfr-pt_DueFromOfficersStockholdersCurrentNoncurrent" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AmountsDueFromAffiliates" xlink:label="usfr-fst_AmountsDueFromAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueFromRelatedParties" xlink:to="usfr-fst_AmountsDueFromAffiliates" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AmountsDueFromOtherRelatedParties" xlink:label="usfr-fst_AmountsDueFromOtherRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueFromRelatedParties" xlink:to="usfr-fst_AmountsDueFromOtherRelatedParties" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeTaxesReceivableNet" xlink:label="usfr-pt_IncomeTaxesReceivableNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_IncomeTaxesReceivableNet" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherReceivablesNet" xlink:label="usfr-pt_OtherReceivablesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_OtherReceivablesNet" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredTaxAssetsAfterValuationAllowance" xlink:label="usfr-pt_DeferredTaxAssetsAfterValuationAllowance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_DeferredTaxAssetsAfterValuationAllowance" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ValueBusinessAcquired" xlink:label="usfr-fst_ValueBusinessAcquired" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_ValueBusinessAcquired" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_DeferredPolicyAcquisitionCosts" xlink:label="usfr-fst_DeferredPolicyAcquisitionCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_DeferredPolicyAcquisitionCosts" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PropertyPlantEquipmentNet" xlink:label="usfr-pt_PropertyPlantEquipmentNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_PropertyPlantEquipmentNet" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccumulatedDepreciationAmortization" xlink:label="usfr-pt_AccumulatedDepreciationAmortization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentNet" xlink:to="usfr-pt_AccumulatedDepreciationAmortization" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PropertyPlantEquipmentGross" xlink:label="usfr-pt_PropertyPlantEquipmentGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentNet" xlink:to="usfr-pt_PropertyPlantEquipmentGross" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_LandBuildingsImprovements" xlink:label="usfr-pt_LandBuildingsImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_LandBuildingsImprovements" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_LandLandImprovements" xlink:label="usfr-pt_LandLandImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LandBuildingsImprovements" xlink:to="usfr-pt_LandLandImprovements" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Land" xlink:label="usfr-pt_Land" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LandLandImprovements" xlink:to="usfr-pt_Land" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_LandImprovements" xlink:label="usfr-pt_LandImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LandLandImprovements" xlink:to="usfr-pt_LandImprovements" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Buildings" xlink:label="usfr-pt_Buildings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LandBuildingsImprovements" xlink:to="usfr-pt_Buildings" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_FurnitureFixtures" xlink:label="usfr-pt_FurnitureFixtures" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_FurnitureFixtures" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OfficeComputerEquipment" xlink:label="usfr-pt_OfficeComputerEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_OfficeComputerEquipment" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Vehicles" xlink:label="usfr-pt_Vehicles" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_Vehicles" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ConstructionProgress" xlink:label="usfr-pt_ConstructionProgress" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_ConstructionProgress" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_LeaseholdImprovements" xlink:label="usfr-pt_LeaseholdImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_LeaseholdImprovements" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CapitalLeasedAssetsGross" xlink:label="usfr-pt_CapitalLeasedAssetsGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_CapitalLeasedAssetsGross" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_InternalUseComputerSoftware" xlink:label="usfr-pt_InternalUseComputerSoftware" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_InternalUseComputerSoftware" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CapitalizedInterest" xlink:label="usfr-pt_CapitalizedInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_CapitalizedInterest" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherPropertyPlantEquipment" xlink:label="usfr-pt_OtherPropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PropertyPlantEquipmentGross" xlink:to="usfr-pt_OtherPropertyPlantEquipment" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsNet" xlink:label="usfr-pt_IntangibleAssetsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_IntangibleAssetsNet" order="16" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsGoodwill" xlink:label="usfr-pt_IntangibleAssetsGoodwill" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsNet" xlink:to="usfr-pt_IntangibleAssetsGoodwill" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsExcludingGoodwillNet" xlink:label="usfr-pt_IntangibleAssetsExcludingGoodwillNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsNet" xlink:to="usfr-pt_IntangibleAssetsExcludingGoodwillNet" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsExcludingGoodwillNet" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedContractualRights" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedContractualRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedContractualRights" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedFranchiseRights" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedFranchiseRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedFranchiseRights" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedLicenses" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedLicenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedLicenses" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedTrademarks" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedTrademarks" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedTrademarks" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedTradeNames" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedTradeNames" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedTradeNames" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedTradeSecrets" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedTradeSecrets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedTradeSecrets" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsIndefiniteLivedOther" xlink:label="usfr-pt_IntangibleAssetsIndefiniteLivedOther" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pt_IntangibleAssetsIndefiniteLivedOther" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedNet" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsExcludingGoodwillNet" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedNet" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedNet" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedComputerSoftware" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedComputerSoftware" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedComputerSoftware" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedContractualRights" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedContractualRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedContractualRights" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedCopyrights" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedCopyrights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedCopyrights" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedCustomerLists" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedCustomerLists" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedCustomerLists" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedCustomerRelationships" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedCustomerRelationships" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedCustomerRelationships" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedDistributionRights" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedDistributionRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedDistributionRights" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedFranchiseRights" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedFranchiseRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedFranchiseRights" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedLicenseAgreements" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedLicenseAgreements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedLicenseAgreements" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedMediaContent" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedMediaContent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedMediaContent" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedNoncompeteAgreements" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedNoncompeteAgreements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedNoncompeteAgreements" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedPatents" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedPatents" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedPatents" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedRoyalty" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedRoyalty" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedRoyalty" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedTradeNames" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedTradeNames" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedTradeNames" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedTradeSecrets" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedTradeSecrets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedTradeSecrets" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IntangibleAssetsFiniteLivedOther" xlink:label="usfr-pt_IntangibleAssetsFiniteLivedOther" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pt_IntangibleAssetsFiniteLivedOther" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccumulatedAmortizationIntangibleAssetsFiniteLived" xlink:label="usfr-pt_AccumulatedAmortizationIntangibleAssetsFiniteLived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IntangibleAssetsFiniteLivedNet" xlink:to="usfr-pt_AccumulatedAmortizationIntangibleAssetsFiniteLived" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_InvestmentNonConsolidatedSubsidiaries" xlink:label="usfr-pt_InvestmentNonConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_InvestmentNonConsolidatedSubsidiaries" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PrepaidAssetsLongTerm" xlink:label="usfr-pt_PrepaidAssetsLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_PrepaidAssetsLongTerm" order="18" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PrepaidExpenses" xlink:label="usfr-pt_PrepaidExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PrepaidAssetsLongTerm" xlink:to="usfr-pt_PrepaidExpenses" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PrepaidInsurance" xlink:label="usfr-pt_PrepaidInsurance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PrepaidAssetsLongTerm" xlink:to="usfr-pt_PrepaidInsurance" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PrepaidReinsurancePremiums" xlink:label="usfr-fst_PrepaidReinsurancePremiums" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PrepaidAssetsLongTerm" xlink:to="usfr-fst_PrepaidReinsurancePremiums" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PrepaidPensionCosts" xlink:label="usfr-pt_PrepaidPensionCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PrepaidAssetsLongTerm" xlink:to="usfr-pt_PrepaidPensionCosts" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherPrepaidExpenses" xlink:label="usfr-pt_OtherPrepaidExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PrepaidAssetsLongTerm" xlink:to="usfr-pt_OtherPrepaidExpenses" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedInterest" xlink:label="usfr-pt_AccruedInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_AccruedInterest" order="19" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedIncome" xlink:label="usfr-pt_AccruedIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_AccruedIncome" order="20" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredFinancingCosts" xlink:label="usfr-pt_DeferredFinancingCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_DeferredFinancingCosts" order="21" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DerivativeAssetsCurrentNoncurrent" xlink:label="usfr-pt_DerivativeAssetsCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_DerivativeAssetsCurrentNoncurrent" order="22" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SeparateAccountAssets" xlink:label="usfr-fst_SeparateAccountAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-fst_SeparateAccountAssets" order="23" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherAssetsCurrentNonCurrent" xlink:label="usfr-pt_OtherAssetsCurrentNonCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Assets" xlink:to="usfr-pt_OtherAssetsCurrentNonCurrent" order="24" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_LiabilitiesStockholdersEquity" xlink:label="usfr-pt_LiabilitiesStockholdersEquity" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Liabilities" xlink:label="usfr-pt_Liabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LiabilitiesStockholdersEquity" xlink:to="usfr-pt_Liabilities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PolicyReservesBenefits" xlink:label="usfr-fst_PolicyReservesBenefits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_PolicyReservesBenefits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LossLossAdjustmentExpenseReserves" xlink:label="usfr-fst_LossLossAdjustmentExpenseReserves" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_LossLossAdjustmentExpenseReserves" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FuturePolicyBenefits" xlink:label="usfr-fst_FuturePolicyBenefits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_FuturePolicyBenefits" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LossesPayable" xlink:label="usfr-fst_LossesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_LossesPayable" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_GuaranteedInterestContracts" xlink:label="usfr-fst_GuaranteedInterestContracts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_GuaranteedInterestContracts" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_DepositsPolicyholderContractDeposits" xlink:label="usfr-fst_DepositsPolicyholderContractDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_DepositsPolicyholderContractDeposits" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_OtherPolicyholderFunds" xlink:label="usfr-fst_OtherPolicyholderFunds" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_OtherPolicyholderFunds" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PayablesPolicyholderDividends" xlink:label="usfr-fst_PayablesPolicyholderDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_PayablesPolicyholderDividends" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_UnearnedPremiums" xlink:label="usfr-fst_UnearnedPremiums" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PolicyReservesBenefits" xlink:to="usfr-fst_UnearnedPremiums" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ReserveCommissionsExpensesTaxes" xlink:label="usfr-fst_ReserveCommissionsExpensesTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_ReserveCommissionsExpensesTaxes" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FundsHeld" xlink:label="usfr-fst_FundsHeld" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_FundsHeld" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PayablesReinsurance" xlink:label="usfr-fst_PayablesReinsurance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_PayablesReinsurance" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CollateralLoanedSecuritiesDerivatives" xlink:label="usfr-fst_CollateralLoanedSecuritiesDerivatives" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_CollateralLoanedSecuritiesDerivatives" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ExperienceRatedRefunds" xlink:label="usfr-fst_ExperienceRatedRefunds" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_ExperienceRatedRefunds" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeTaxesPayable" xlink:label="usfr-pt_IncomeTaxesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_IncomeTaxesPayable" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PayablesBrokerDealers" xlink:label="usfr-fst_PayablesBrokerDealers" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_PayablesBrokerDealers" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SecuritiesSoldNotPurchased" xlink:label="usfr-fst_SecuritiesSoldNotPurchased" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_SecuritiesSoldNotPurchased" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_BorrowingsGuaranteedInvestmentAgreements" xlink:label="usfr-fst_BorrowingsGuaranteedInvestmentAgreements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_BorrowingsGuaranteedInvestmentAgreements" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fst_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseSecuritiesSoldUnderAgreementsRepurchase" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseSecuritiesSoldUnderAgreementsRepurchase" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_TradingLiabilities" xlink:label="usfr-fst_TradingLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_TradingLiabilities" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_UnrealizedLossDerivativeTransactions" xlink:label="usfr-fst_UnrealizedLossDerivativeTransactions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_UnrealizedLossDerivativeTransactions" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_Deposits" xlink:label="usfr-fst_Deposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_Deposits" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommercialPaper" xlink:label="usfr-pt_CommercialPaper" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_CommercialPaper" order="16" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DebtCapitalLeaseObligationsLongTerm" xlink:label="usfr-pt_DebtCapitalLeaseObligationsLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_DebtCapitalLeaseObligationsLongTerm" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredDebtLongTerm" xlink:label="usfr-pt_DeferredDebtLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DebtCapitalLeaseObligationsLongTerm" xlink:to="usfr-pt_DeferredDebtLongTerm" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NonSubordinateDeferredDebtLongTerm" xlink:label="usfr-pt_NonSubordinateDeferredDebtLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DeferredDebtLongTerm" xlink:to="usfr-pt_NonSubordinateDeferredDebtLongTerm" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SubordinateDeferredDebtLongTerm" xlink:label="usfr-pt_SubordinateDeferredDebtLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DeferredDebtLongTerm" xlink:to="usfr-pt_SubordinateDeferredDebtLongTerm" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredInterest" xlink:label="usfr-pt_DeferredInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DebtCapitalLeaseObligationsLongTerm" xlink:to="usfr-pt_DeferredInterest" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CapitalLeaseObligationsShortTermLongTerm" xlink:label="usfr-pt_CapitalLeaseObligationsShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DebtCapitalLeaseObligationsLongTerm" xlink:to="usfr-pt_CapitalLeaseObligationsShortTermLongTerm" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_LongTermDebt" xlink:label="usfr-pt_LongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DebtCapitalLeaseObligationsLongTerm" xlink:to="usfr-pt_LongTermDebt" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MediumTermNotes" xlink:label="usfr-fst_MediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LongTermDebt" xlink:to="usfr-fst_MediumTermNotes" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LongTermDebtExcludingMediumTermDebt" xlink:label="usfr-fst_LongTermDebtExcludingMediumTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LongTermDebt" xlink:to="usfr-fst_LongTermDebtExcludingMediumTermDebt" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NotesPayableShortTermLongTerm" xlink:label="usfr-pt_NotesPayableShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DebtCapitalLeaseObligationsLongTerm" xlink:to="usfr-pt_NotesPayableShortTermLongTerm" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PayablesSecuritiesLending" xlink:label="usfr-fst_PayablesSecuritiesLending" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_PayablesSecuritiesLending" order="18" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ShortTermBorrowings" xlink:label="usfr-fst_ShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_ShortTermBorrowings" order="19" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherShortTermBorrowings" xlink:label="usfr-pt_OtherShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ShortTermBorrowings" xlink:to="usfr-pt_OtherShortTermBorrowings" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccountsPayableAccruedExpenses" xlink:label="usfr-pt_AccountsPayableAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_AccountsPayableAccruedExpenses" order="20" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccountsPayable" xlink:label="usfr-pt_AccountsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccountsPayableAccruedExpenses" xlink:to="usfr-pt_AccountsPayable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_BankOverdrafts" xlink:label="usfr-pt_BankOverdrafts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccountsPayable" xlink:to="usfr-pt_BankOverdrafts" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherAccountsPayable" xlink:label="usfr-pt_OtherAccountsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccountsPayable" xlink:to="usfr-pt_OtherAccountsPayable" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedExpenses" xlink:label="usfr-pt_AccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccountsPayableAccruedExpenses" xlink:to="usfr-pt_AccruedExpenses" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedAdvertising" xlink:label="usfr-pt_AccruedAdvertising" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_AccruedAdvertising" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedInsurance" xlink:label="usfr-pt_AccruedInsurance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_AccruedInsurance" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedRoyalties" xlink:label="usfr-pt_AccruedRoyalties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_AccruedRoyalties" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherAccruedExpenses" xlink:label="usfr-pt_OtherAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_OtherAccruedExpenses" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_InterestPayable" xlink:label="usfr-pt_InterestPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_InterestPayable" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TaxesOtherThanIncomeTaxesAccrual" xlink:label="usfr-pt_TaxesOtherThanIncomeTaxesAccrual" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_TaxesOtherThanIncomeTaxesAccrual" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DividendsPayable" xlink:label="usfr-pt_DividendsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_DividendsPayable" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EmployeeRelatedLiabilities" xlink:label="usfr-pt_EmployeeRelatedLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccruedExpenses" xlink:to="usfr-pt_EmployeeRelatedLiabilities" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Salaries" xlink:label="usfr-pt_Salaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_EmployeeRelatedLiabilities" xlink:to="usfr-pt_Salaries" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedVacation" xlink:label="usfr-pt_AccruedVacation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_EmployeeRelatedLiabilities" xlink:to="usfr-pt_AccruedVacation" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedBonuses" xlink:label="usfr-pt_AccruedBonuses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_EmployeeRelatedLiabilities" xlink:to="usfr-pt_AccruedBonuses" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EmployeeBenefits" xlink:label="usfr-pt_EmployeeBenefits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_EmployeeRelatedLiabilities" xlink:to="usfr-pt_EmployeeBenefits" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherEmployeeBenefitsLiabilities" xlink:label="usfr-pt_OtherEmployeeBenefitsLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_EmployeeRelatedLiabilities" xlink:to="usfr-pt_OtherEmployeeBenefitsLiabilities" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AmountsDueToRelatedParties" xlink:label="usfr-fst_AmountsDueToRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_AmountsDueToRelatedParties" order="21" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccountsPayableRelatedParties" xlink:label="usfr-pt_AccountsPayableRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueToRelatedParties" xlink:to="usfr-pt_AccountsPayableRelatedParties" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NotesPayableRelatedParties" xlink:label="usfr-fst_NotesPayableRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueToRelatedParties" xlink:to="usfr-fst_NotesPayableRelatedParties" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DueToOfficersStockholdersShortTermLongTerm" xlink:label="usfr-pt_DueToOfficersStockholdersShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueToRelatedParties" xlink:to="usfr-pt_DueToOfficersStockholdersShortTermLongTerm" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AmountsDueToAffiliates" xlink:label="usfr-fst_AmountsDueToAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueToRelatedParties" xlink:to="usfr-fst_AmountsDueToAffiliates" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AmountsDueToOtherRelatedParties" xlink:label="usfr-fst_AmountsDueToOtherRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_AmountsDueToRelatedParties" xlink:to="usfr-fst_AmountsDueToOtherRelatedParties" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherLiabilitiesShortTermLongTerm" xlink:label="usfr-pt_OtherLiabilitiesShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_OtherLiabilitiesShortTermLongTerm" order="22" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LiabilitiesSeparateAccountPolicies" xlink:label="usfr-fst_LiabilitiesSeparateAccountPolicies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_LiabilitiesSeparateAccountPolicies" order="23" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" xlink:label="usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" order="24" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommitmentsContingencies" xlink:label="usfr-pt_CommitmentsContingencies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_CommitmentsContingencies" order="25" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MinorityInterest" xlink:label="usfr-pt_MinorityInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_MinorityInterest" order="26" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccruedTaxes" xlink:label="usfr-pt_AccruedTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_AccruedTaxes" order="27" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DerivativeLiabilitiesLongTerm" xlink:label="usfr-pt_DerivativeLiabilitiesLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_DerivativeLiabilitiesLongTerm" order="28" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PensionsOPEB" xlink:label="usfr-pt_PensionsOPEB" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_PensionsOPEB" order="29" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PensionObligation" xlink:label="usfr-pt_PensionObligation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PensionsOPEB" xlink:to="usfr-pt_PensionObligation" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherPostretirementObligations" xlink:label="usfr-pt_OtherPostretirementObligations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PensionsOPEB" xlink:to="usfr-pt_OtherPostretirementObligations" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredESOPBenefits" xlink:label="usfr-pt_DeferredESOPBenefits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_DeferredESOPBenefits" order="30" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredCompensation" xlink:label="usfr-pt_DeferredCompensation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_DeferredCompensation" order="31" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EnvironmentalLiability" xlink:label="usfr-pt_EnvironmentalLiability" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_EnvironmentalLiability" order="32" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RestructuringReserve" xlink:label="usfr-pt_RestructuringReserve" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_RestructuringReserve" order="33" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_LitigationReserve" xlink:label="usfr-pt_LitigationReserve" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_Liabilities" xlink:to="usfr-pt_LitigationReserve" order="34" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TemporaryEquity" xlink:label="usfr-pt_TemporaryEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LiabilitiesStockholdersEquity" xlink:to="usfr-pt_TemporaryEquity" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TrustPreferredSecurities" xlink:label="usfr-pt_TrustPreferredSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_TemporaryEquity" xlink:to="usfr-pt_TrustPreferredSecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RedeemableCommonStock" xlink:label="usfr-pt_RedeemableCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_TemporaryEquity" xlink:to="usfr-pt_RedeemableCommonStock" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RedeemablePreferredStockObligations" xlink:label="usfr-pt_RedeemablePreferredStockObligations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_TemporaryEquity" xlink:to="usfr-pt_RedeemablePreferredStockObligations" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_WarrantsRightsOutstanding" xlink:label="usfr-pt_WarrantsRightsOutstanding" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_TemporaryEquity" xlink:to="usfr-pt_WarrantsRightsOutstanding" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_StockholdersEquity" xlink:label="usfr-pt_StockholdersEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_LiabilitiesStockholdersEquity" xlink:to="usfr-pt_StockholdersEquity" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockValueTotal" xlink:label="usfr-pt_CommonStockValueTotal" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_CommonStockValueTotal" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockValue" xlink:label="usfr-pt_CommonStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockValueTotal" xlink:to="usfr-pt_CommonStockValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PreferredStockValueTotal" xlink:label="usfr-pt_PreferredStockValueTotal" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_PreferredStockValueTotal" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PreferredStockValue" xlink:label="usfr-pt_PreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PreferredStockValueTotal" xlink:to="usfr-pt_PreferredStockValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ConvertiblePreferredStockValue" xlink:label="usfr-pt_ConvertiblePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PreferredStockValueTotal" xlink:to="usfr-pt_ConvertiblePreferredStockValue" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RedeemablePreferredStockValue" xlink:label="usfr-pt_RedeemablePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PreferredStockValueTotal" xlink:to="usfr-pt_RedeemablePreferredStockValue" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RedeemableConvertiblePreferredStockValue" xlink:label="usfr-pt_RedeemableConvertiblePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PreferredStockValueTotal" xlink:to="usfr-pt_RedeemableConvertiblePreferredStockValue" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NonRedeemablePreferredStockValue" xlink:label="usfr-pt_NonRedeemablePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PreferredStockValueTotal" xlink:to="usfr-pt_NonRedeemablePreferredStockValue" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NonRedeemableConvertiblePreferredStockValue" xlink:label="usfr-pt_NonRedeemableConvertiblePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PreferredStockValueTotal" xlink:to="usfr-pt_NonRedeemableConvertiblePreferredStockValue" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AdditionalPaidCapital" xlink:label="usfr-pt_AdditionalPaidCapital" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_AdditionalPaidCapital" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AccumulatedComprehensiveIncome" xlink:label="usfr-pt_AccumulatedComprehensiveIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_AccumulatedComprehensiveIncome" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeEffectChangeAccountingPrincipleNet" xlink:label="usfr-pt_CumulativeEffectChangeAccountingPrincipleNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccumulatedComprehensiveIncome" xlink:to="usfr-pt_CumulativeEffectChangeAccountingPrincipleNet" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeEffectChangeAccountingPrincipleNetCumulativeEffectChangeAccountingPrincipleGross" xlink:label="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetCumulativeEffectChangeAccountingPrincipleGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CumulativeEffectChangeAccountingPrincipleNet" xlink:to="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetCumulativeEffectChangeAccountingPrincipleGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxAffectCumulativeEffectAccountingPrinciple" xlink:label="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxAffectCumulativeEffectAccountingPrinciple" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CumulativeEffectChangeAccountingPrincipleNet" xlink:to="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxAffectCumulativeEffectAccountingPrinciple" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AdditionalMinimumPensionLiabilityNetTaxEffect" xlink:label="usfr-pt_AdditionalMinimumPensionLiabilityNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccumulatedComprehensiveIncome" xlink:to="usfr-pt_AdditionalMinimumPensionLiabilityNetTaxEffect" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeTranslationAdjustmentNetTaxEffect" xlink:label="usfr-pt_CumulativeTranslationAdjustmentNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccumulatedComprehensiveIncome" xlink:to="usfr-pt_CumulativeTranslationAdjustmentNetTaxEffect" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredHedgingGainLossNetTaxEffect" xlink:label="usfr-pt_DeferredHedgingGainLossNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccumulatedComprehensiveIncome" xlink:to="usfr-pt_DeferredHedgingGainLossNetTaxEffect" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredUnearnedCompensation" xlink:label="usfr-pt_DeferredUnearnedCompensation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccumulatedComprehensiveIncome" xlink:to="usfr-pt_DeferredUnearnedCompensation" order="5" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredCompensationOnRestrictedStock" xlink:label="usfr-pt_DeferredCompensationOnRestrictedStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DeferredUnearnedCompensation" xlink:to="usfr-pt_DeferredCompensationOnRestrictedStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_UnrealizedGainLossOnMarketableSecuritiesNetTaxEffect" xlink:label="usfr-pt_UnrealizedGainLossOnMarketableSecuritiesNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccumulatedComprehensiveIncome" xlink:to="usfr-pt_UnrealizedGainLossOnMarketableSecuritiesNetTaxEffect" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_UnrealizedGainsLossesOnAvailableSaleSecuritiesNetTaxEffect" xlink:label="usfr-pt_UnrealizedGainsLossesOnAvailableSaleSecuritiesNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_UnrealizedGainLossOnMarketableSecuritiesNetTaxEffect" xlink:to="usfr-pt_UnrealizedGainsLossesOnAvailableSaleSecuritiesNetTaxEffect" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_UnrealizedGainsLossesOnTradingSecurities" xlink:label="usfr-pt_UnrealizedGainsLossesOnTradingSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_UnrealizedGainLossOnMarketableSecuritiesNetTaxEffect" xlink:to="usfr-pt_UnrealizedGainsLossesOnTradingSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherAccumulatedComprehensiveIncomeNetTaxEffect" xlink:label="usfr-pt_OtherAccumulatedComprehensiveIncomeNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AccumulatedComprehensiveIncome" xlink:to="usfr-pt_OtherAccumulatedComprehensiveIncomeNetTaxEffect" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RetainedEarnings" xlink:label="usfr-pt_RetainedEarnings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_RetainedEarnings" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RetainedEarningsAppropriated" xlink:label="usfr-pt_RetainedEarningsAppropriated" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RetainedEarnings" xlink:to="usfr-pt_RetainedEarningsAppropriated" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RetainedEarningsNonappropriated" xlink:label="usfr-pt_RetainedEarningsNonappropriated" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RetainedEarnings" xlink:to="usfr-pt_RetainedEarningsNonappropriated" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TreasuryStockValueTotal" xlink:label="usfr-pt_TreasuryStockValueTotal" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_TreasuryStockValueTotal" order="6" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TreasuryStockValue" xlink:label="usfr-pt_TreasuryStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_TreasuryStockValueTotal" xlink:to="usfr-pt_TreasuryStockValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_WarrantsRightsOutstandingEquity" xlink:label="usfr-pt_WarrantsRightsOutstandingEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_WarrantsRightsOutstandingEquity" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredCompensationEquity" xlink:label="usfr-pt_DeferredCompensationEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_DeferredCompensationEquity" order="8" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherEquity" xlink:label="usfr-pt_OtherEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquity" xlink:to="usfr-pt_OtherEquity" order="9" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/IncomeStatement" xlink:title="Income Statement - Insurance Entities">
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_BasicEarningsPerShareNetIncome" xlink:label="usfr-pt_BasicEarningsPerShareNetIncome" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossContinuingOperationsPerOutstandingShare" xlink:label="usfr-pt_IncomeLossContinuingOperationsPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_BasicEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeLossContinuingOperationsPerOutstandingShare" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossDispositionDiscontinuedOperationsPerOutstandingShare" xlink:label="usfr-pt_IncomeLossDispositionDiscontinuedOperationsPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_BasicEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeLossDispositionDiscontinuedOperationsPerOutstandingShare" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" xlink:label="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_BasicEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossExtraordinaryItemsNetTaxEffectPerOutstandingShare" xlink:label="usfr-pt_IncomeLossExtraordinaryItemsNetTaxEffectPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_BasicEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeLossExtraordinaryItemsNetTaxEffectPerOutstandingShare" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" xlink:label="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_BasicEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerOutstandingShare" xlink:label="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_BasicEarningsPerShareNetIncome" xlink:to="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerOutstandingShare" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DilutedEarningsPerShareNetIncome" xlink:label="usfr-pt_DilutedEarningsPerShareNetIncome" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossContinuingOperationsPerDilutedShare" xlink:label="usfr-pt_IncomeLossContinuingOperationsPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeLossContinuingOperationsPerDilutedShare" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossDispositionDiscontinuedOperationsPerDilutedShare" xlink:label="usfr-pt_IncomeLossDispositionDiscontinuedOperationsPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeLossDispositionDiscontinuedOperationsPerDilutedShare" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerDilutedShare" xlink:label="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerDilutedShare" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossExtraordinaryItemsNetTaxEffectPerDilutedShare" xlink:label="usfr-pt_IncomeLossExtraordinaryItemsNetTaxEffectPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeLossExtraordinaryItemsNetTaxEffectPerDilutedShare" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerDilutedShare" xlink:label="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerDilutedShare" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerDilutedShare" xlink:label="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerDilutedShare" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetIncomeApplicableCommonStockholders" xlink:label="usfr-pt_NetIncomeApplicableCommonStockholders" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetIncome" xlink:label="usfr-pt_NetIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncomeApplicableCommonStockholders" xlink:to="usfr-pt_NetIncome" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" xlink:label="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncome" xlink:to="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:label="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossContinuingOperations" xlink:label="usfr-pt_IncomeLossContinuingOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pt_IncomeLossContinuingOperations" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossContinuingOperationsBeforeIncomeTaxes" xlink:label="usfr-pt_IncomeLossContinuingOperationsBeforeIncomeTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossContinuingOperations" xlink:to="usfr-pt_IncomeLossContinuingOperationsBeforeIncomeTaxes" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OperatingRevenue" xlink:label="usfr-pt_OperatingRevenue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossContinuingOperationsBeforeIncomeTaxes" xlink:to="usfr-pt_OperatingRevenue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_RevenuePremiumRevenue" xlink:label="usfr-fst_RevenuePremiumRevenue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-fst_RevenuePremiumRevenue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_RevenuePolicyCharges" xlink:label="usfr-fst_RevenuePolicyCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-fst_RevenuePolicyCharges" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetInterestIncome" xlink:label="usfr-fst_NetInterestIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-fst_NetInterestIncome" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NonInterestIncomeNetGainsLossesOnSaleSecurities" xlink:label="usfr-fst_NonInterestIncomeNetGainsLossesOnSaleSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-fst_NonInterestIncomeNetGainsLossesOnSaleSecurities" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NonInterestIncomeInsuranceCommissionsFees" xlink:label="usfr-fst_NonInterestIncomeInsuranceCommissionsFees" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-fst_NonInterestIncomeInsuranceCommissionsFees" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_UnhedgedDerivativeTransactionsFairValueChangesBalances" xlink:label="usfr-fst_UnhedgedDerivativeTransactionsFairValueChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-fst_UnhedgedDerivativeTransactionsFairValueChangesBalances" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EarningsLossesEquityInvestments" xlink:label="usfr-pt_EarningsLossesEquityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-pt_EarningsLossesEquityInvestments" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NonInterestIncomeOtherFeesCommissions" xlink:label="usfr-fst_NonInterestIncomeOtherFeesCommissions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingRevenue" xlink:to="usfr-fst_NonInterestIncomeOtherFeesCommissions" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OperatingExpenses" xlink:label="usfr-pt_OperatingExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossContinuingOperationsBeforeIncomeTaxes" xlink:to="usfr-pt_OperatingExpenses" order="1.5" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ExpensesPolicyholderBenefitsClaims" xlink:label="usfr-fst_ExpensesPolicyholderBenefitsClaims" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_ExpensesPolicyholderBenefitsClaims" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ExpensesPolicyholderInterest" xlink:label="usfr-fst_ExpensesPolicyholderInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_ExpensesPolicyholderInterest" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ExpensesPolicyholderDividends" xlink:label="usfr-fst_ExpensesPolicyholderDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_ExpensesPolicyholderDividends" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_GeneralAdministrativeExpenses" xlink:label="usfr-pt_GeneralAdministrativeExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-pt_GeneralAdministrativeExpenses" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RestructuringCharges" xlink:label="usfr-pt_RestructuringCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-pt_RestructuringCharges" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ExpensesPolicyAcquisitionCosts" xlink:label="usfr-fst_ExpensesPolicyAcquisitionCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_ExpensesPolicyAcquisitionCosts" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ExpensesUnderwritingExpensesOther" xlink:label="usfr-fst_ExpensesUnderwritingExpensesOther" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_ExpensesUnderwritingExpensesOther" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ExpensesDemutualizationCostsExpenses" xlink:label="usfr-fst_ExpensesDemutualizationCostsExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_ExpensesDemutualizationCostsExpenses" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_InsuranceCommissions" xlink:label="usfr-fst_InsuranceCommissions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_InsuranceCommissions" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DepreciationAmortization" xlink:label="usfr-pt_DepreciationAmortization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-pt_DepreciationAmortization" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Depreciation" xlink:label="usfr-pt_Depreciation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DepreciationAmortization" xlink:to="usfr-pt_Depreciation" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_Amortization" xlink:label="usfr-pt_Amortization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DepreciationAmortization" xlink:to="usfr-pt_Amortization" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NonInterestExpenseOtherNonTotalInterestExpense" xlink:label="usfr-fst_NonInterestExpenseOtherNonTotalInterestExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_OperatingExpenses" xlink:to="usfr-fst_NonInterestExpenseOtherNonTotalInterestExpense" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProvisionIncomeTaxes" xlink:label="usfr-pt_ProvisionIncomeTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossContinuingOperations" xlink:to="usfr-pt_ProvisionIncomeTaxes" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CurrentIncomeTaxExpenseBenefit" xlink:label="usfr-pt_CurrentIncomeTaxExpenseBenefit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProvisionIncomeTaxes" xlink:to="usfr-pt_CurrentIncomeTaxExpenseBenefit" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CurrentFederalTax" xlink:label="usfr-pt_CurrentFederalTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pt_CurrentFederalTax" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CurrentStateLocalTaxes" xlink:label="usfr-pt_CurrentStateLocalTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pt_CurrentStateLocalTaxes" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CurrentForeignTax" xlink:label="usfr-pt_CurrentForeignTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pt_CurrentForeignTax" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CurrentOtherTax" xlink:label="usfr-pt_CurrentOtherTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pt_CurrentOtherTax" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredIncomeTaxExpenseBenefit" xlink:label="usfr-pt_DeferredIncomeTaxExpenseBenefit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProvisionIncomeTaxes" xlink:to="usfr-pt_DeferredIncomeTaxExpenseBenefit" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredFederalIncomeTax" xlink:label="usfr-pt_DeferredFederalIncomeTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pt_DeferredFederalIncomeTax" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredStateLocalIncomeTax" xlink:label="usfr-pt_DeferredStateLocalIncomeTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pt_DeferredStateLocalIncomeTax" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredForeignIncomeTax" xlink:label="usfr-pt_DeferredForeignIncomeTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pt_DeferredForeignIncomeTax" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredOtherTax" xlink:label="usfr-pt_DeferredOtherTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pt_DeferredOtherTax" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MinorityInterestNetTaxEffect" xlink:label="usfr-pt_MinorityInterestNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pt_MinorityInterestNetTaxEffect" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:label="usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossDiscontinuedOperations" xlink:label="usfr-pt_IncomeLossDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:to="usfr-pt_IncomeLossDiscontinuedOperations" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TaxEffectIncomeLossDiscontinuedOperations" xlink:label="usfr-pt_TaxEffectIncomeLossDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:to="usfr-pt_TaxEffectIncomeLossDiscontinuedOperations" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossDispositionDiscontinuedOperations" xlink:label="usfr-pt_IncomeLossDispositionDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:to="usfr-pt_IncomeLossDispositionDiscontinuedOperations" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossDuringPhaseOutPeriod" xlink:label="usfr-pt_IncomeLossDuringPhaseOutPeriod" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossDispositionDiscontinuedOperations" xlink:to="usfr-pt_IncomeLossDuringPhaseOutPeriod" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TaxEffectOnIncomeLossDispositionDiscontinuedOperations" xlink:label="usfr-pt_TaxEffectOnIncomeLossDispositionDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossDispositionDiscontinuedOperations" xlink:to="usfr-pt_TaxEffectOnIncomeLossDispositionDiscontinuedOperations" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProvisionDisposalDiscontinuedOperations" xlink:label="usfr-pt_ProvisionDisposalDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeLossDispositionDiscontinuedOperations" xlink:to="usfr-pt_ProvisionDisposalDiscontinuedOperations" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ExtraordinaryItemsNetTaxEffect" xlink:label="usfr-pt_ExtraordinaryItemsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pt_ExtraordinaryItemsNetTaxEffect" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ExtraordinaryItemsGross" xlink:label="usfr-pt_ExtraordinaryItemsGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ExtraordinaryItemsNetTaxEffect" xlink:to="usfr-pt_ExtraordinaryItemsGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ExtinguishmentDebt" xlink:label="usfr-pt_ExtinguishmentDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ExtraordinaryItemsGross" xlink:to="usfr-pt_ExtinguishmentDebt" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_GainLossAdjustmentsPriorYearExtraordinaryItems" xlink:label="usfr-pt_GainLossAdjustmentsPriorYearExtraordinaryItems" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ExtraordinaryItemsGross" xlink:to="usfr-pt_GainLossAdjustmentsPriorYearExtraordinaryItems" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherExtraordinaryGainLoss" xlink:label="usfr-pt_OtherExtraordinaryGainLoss" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ExtraordinaryItemsGross" xlink:to="usfr-pt_OtherExtraordinaryGainLoss" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TaxEffectExtraordinaryItems" xlink:label="usfr-pt_TaxEffectExtraordinaryItems" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ExtraordinaryItemsNetTaxEffect" xlink:to="usfr-pt_TaxEffectExtraordinaryItems" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherNonrecurringCharges" xlink:label="usfr-pt_OtherNonrecurringCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ExtraordinaryItemsNetTaxEffect" xlink:to="usfr-pt_OtherNonrecurringCharges" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:label="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncome" xlink:to="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EffectChangesAccountingPrincipleGross" xlink:label="usfr-pt_EffectChangesAccountingPrincipleGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:to="usfr-pt_EffectChangesAccountingPrincipleGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TaxEffectChangeAccountingPrinciple" xlink:label="usfr-pt_TaxEffectChangeAccountingPrinciple" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:to="usfr-pt_TaxEffectChangeAccountingPrinciple" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:label="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncomeApplicableCommonStockholders" xlink:to="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PreferredStockDividendsOtherAdjustments" xlink:label="usfr-pt_PreferredStockDividendsOtherAdjustments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncomeApplicableCommonStockholders" xlink:to="usfr-pt_PreferredStockDividendsOtherAdjustments" order="3" weight="-1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/StatementCashFlowsIndirect" xlink:title="Statement of Cash Flows - Indirect Method - Insurance Entities">
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:label="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:label="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetIncome" xlink:label="usfr-pt_NetIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:to="usfr-pt_NetIncome" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:label="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:to="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ExtraordinaryItemsNetTaxEffect" xlink:label="usfr-pt_ExtraordinaryItemsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_ExtraordinaryItemsNetTaxEffect" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncreaseDecreaseInProvisionForRestructuringChanges" xlink:label="usfr-pt_IncreaseDecreaseInProvisionForRestructuringChanges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_IncreaseDecreaseInProvisionForRestructuringChanges" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RestructuringCharges" xlink:label="usfr-pt_RestructuringCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncreaseDecreaseInProvisionForRestructuringChanges" xlink:to="usfr-pt_RestructuringCharges" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CashPaymentsRestructuring" xlink:label="usfr-pt_CashPaymentsRestructuring" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_IncreaseDecreaseInProvisionForRestructuringChanges" xlink:to="usfr-pt_CashPaymentsRestructuring" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AssetImpairmentCharge" xlink:label="usfr-pt_AssetImpairmentCharge" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_AssetImpairmentCharge" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RealizedGainsLossesOnSaleInvestments" xlink:label="usfr-pt_RealizedGainsLossesOnSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_RealizedGainsLossesOnSaleInvestments" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_GainLossOnSaleBusiness" xlink:label="usfr-pt_GainLossOnSaleBusiness" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_GainLossOnSaleBusiness" order="5" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ESOPRestrictedStockExpense" xlink:label="usfr-pt_ESOPRestrictedStockExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_ESOPRestrictedStockExpense" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TaxBenefitExerciseStockOptions" xlink:label="usfr-pt_TaxBenefitExerciseStockOptions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_TaxBenefitExerciseStockOptions" order="7" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseResidentialMortgageLoans" xlink:label="usfr-fst_PurchaseResidentialMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_PurchaseResidentialMortgageLoans" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseOriginationsMortgageBankingAssets" xlink:label="usfr-fst_PurchaseOriginationsMortgageBankingAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_PurchaseOriginationsMortgageBankingAssets" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_UnrealizedGainLossSecurities" xlink:label="usfr-pt_UnrealizedGainLossSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_UnrealizedGainLossSecurities" order="10" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:label="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" order="11" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_GainLossOnRetirementPropertyPlantEquipment" xlink:label="usfr-pt_GainLossOnRetirementPropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_GainLossOnRetirementPropertyPlantEquipment" order="12" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:label="usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_IncomeLossDiscontinuedOperationsNetTaxEffect" order="13" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MinorityInterestNetTaxEffect" xlink:label="usfr-pt_MinorityInterestNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_MinorityInterestNetTaxEffect" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EarningsLossesEquityInvestments" xlink:label="usfr-pt_EarningsLossesEquityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_EarningsLossesEquityInvestments" order="15" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ForeignCurrencyExchangeGainsLosses" xlink:label="usfr-pt_ForeignCurrencyExchangeGainsLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_ForeignCurrencyExchangeGainsLosses" order="16" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_UnearnedIncomeNonCash" xlink:label="usfr-fst_UnearnedIncomeNonCash" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_UnearnedIncomeNonCash" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_InterestCreditedPolicyOwnerAccountsNonCash" xlink:label="usfr-fst_InterestCreditedPolicyOwnerAccountsNonCash" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_InterestCreditedPolicyOwnerAccountsNonCash" order="18" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_BondPremiumDiscountsAmortization" xlink:label="usfr-fst_BondPremiumDiscountsAmortization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_BondPremiumDiscountsAmortization" order="19" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DepreciationAmortizationOtherUnspecified" xlink:label="usfr-pt_DepreciationAmortizationOtherUnspecified" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_DepreciationAmortizationOtherUnspecified" order="20" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredIncomeTaxes" xlink:label="usfr-pt_DeferredIncomeTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_DeferredIncomeTaxes" order="21" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_UnrealizedGainsLossesOnDerivativesNetChangesBalances" xlink:label="usfr-pt_UnrealizedGainsLossesOnDerivativesNetChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_UnrealizedGainsLossesOnDerivativesNetChangesBalances" order="22" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" order="23" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" order="24" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CollateralBorrowedSecuritiesCashChangesBalances" xlink:label="usfr-fst_CollateralBorrowedSecuritiesCashChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_CollateralBorrowedSecuritiesCashChangesBalances" order="25" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CollateralLoanedSecuritiesCash" xlink:label="usfr-fst_CollateralLoanedSecuritiesCash" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-fst_CollateralLoanedSecuritiesCash" order="26" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NoncashExpenses" xlink:label="usfr-pt_NoncashExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_NoncashExpenses" order="27" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeOperatingAssetsLiabilities" xlink:label="usfr-pt_ChangeOperatingAssetsLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdjustmentsReconcileNetIncomeLossNetCashProvidedByUsedOperations" xlink:to="usfr-pt_ChangeOperatingAssetsLiabilities" order="28" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_BrokerDealerReceivablesPayablesNetChangesBalances" xlink:label="usfr-fst_BrokerDealerReceivablesPayablesNetChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeOperatingAssetsLiabilities" xlink:to="usfr-fst_BrokerDealerReceivablesPayablesNetChangesBalances" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeCurrentAssets" xlink:label="usfr-pt_ChangeCurrentAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeOperatingAssetsLiabilities" xlink:to="usfr-pt_ChangeCurrentAssets" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:label="usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangesRelatedPartyAccountsReceivable" xlink:label="usfr-pt_ChangesRelatedPartyAccountsReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-pt_ChangesRelatedPartyAccountsReceivable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesRelatedPartyNotesReceivableCurrentNoncurrent" xlink:label="usfr-fst_ChangesRelatedPartyNotesReceivableCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fst_ChangesRelatedPartyNotesReceivableCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncreaseDecreaseInAmountsDueFromOfficersStockholders" xlink:label="usfr-fst_IncreaseDecreaseInAmountsDueFromOfficersStockholders" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fst_IncreaseDecreaseInAmountsDueFromOfficersStockholders" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesAmountsDuefromAffiliatesCurrentNoncurrent" xlink:label="usfr-fst_ChangesAmountsDuefromAffiliatesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fst_ChangesAmountsDuefromAffiliatesCurrentNoncurrent" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesAmountsDuefromOtherRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fst_ChangesAmountsDuefromOtherRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fst_ChangesAmountsDuefromOtherRelatedPartiesCurrentNoncurrent" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncreaseDecreaseAccruedInvestmentIncome" xlink:label="usfr-fst_IncreaseDecreaseAccruedInvestmentIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_IncreaseDecreaseAccruedInvestmentIncome" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_DeferredPolicyAcquisitionCostsChangesBalances" xlink:label="usfr-fst_DeferredPolicyAcquisitionCostsChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_DeferredPolicyAcquisitionCostsChangesBalances" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PremiumsReceivableChangesBalances" xlink:label="usfr-fst_PremiumsReceivableChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_PremiumsReceivableChangesBalances" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_IncreaseFinanceReceivables" xlink:label="usfr-pt_IncreaseFinanceReceivables" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-pt_IncreaseFinanceReceivables" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PrepaidReinsurancePremiumsChangesBalances" xlink:label="usfr-fst_PrepaidReinsurancePremiumsChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_PrepaidReinsurancePremiumsChangesBalances" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ReinsuranceRecoverablesChangesBalances" xlink:label="usfr-fst_ReinsuranceRecoverablesChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_ReinsuranceRecoverablesChangesBalances" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetChangeTradingAccountSecurities" xlink:label="usfr-fst_NetChangeTradingAccountSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_NetChangeTradingAccountSecurities" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetChangeInterestDividendsReceivable" xlink:label="usfr-fst_NetChangeInterestDividendsReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_NetChangeInterestDividendsReceivable" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangeInterestReceivable" xlink:label="usfr-fst_ChangeInterestReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_NetChangeInterestDividendsReceivable" xlink:to="usfr-fst_ChangeInterestReceivable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_LossLossAdjustmentExpenseReservesChangesBalances" xlink:label="usfr-fst_LossLossAdjustmentExpenseReservesChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_LossLossAdjustmentExpenseReservesChangesBalances" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ReserveCommissionsExpensesTaxesChangesBalances" xlink:label="usfr-fst_ReserveCommissionsExpensesTaxesChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-fst_ReserveCommissionsExpensesTaxesChangesBalances" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeOtherCurrentAssets" xlink:label="usfr-pt_ChangeOtherCurrentAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentAssets" xlink:to="usfr-pt_ChangeOtherCurrentAssets" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeCurrentLiabilities" xlink:label="usfr-pt_ChangeCurrentLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeOperatingAssetsLiabilities" xlink:to="usfr-pt_ChangeCurrentLiabilities" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeAccountsPayableAccruedExpenses" xlink:label="usfr-pt_ChangeAccountsPayableAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-pt_ChangeAccountsPayableAccruedExpenses" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangesAccountsPayable" xlink:label="usfr-pt_ChangesAccountsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeAccountsPayableAccruedExpenses" xlink:to="usfr-pt_ChangesAccountsPayable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangesAccruedExpenses" xlink:label="usfr-pt_ChangesAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeAccountsPayableAccruedExpenses" xlink:to="usfr-pt_ChangesAccruedExpenses" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangesAccountsPayableRelatedParties" xlink:label="usfr-pt_ChangesAccountsPayableRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" xlink:to="usfr-pt_ChangesAccountsPayableRelatedParties" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesNotesPayableRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fst_ChangesNotesPayableRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fst_ChangesNotesPayableRelatedPartiesCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesAmountsDuetoOfficersStockholdersCurrentNoncurrent" xlink:label="usfr-fst_ChangesAmountsDuetoOfficersStockholdersCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fst_ChangesAmountsDuetoOfficersStockholdersCurrentNoncurrent" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesAmountsDuetoAffiliatesCurrentNoncurrent" xlink:label="usfr-fst_ChangesAmountsDuetoAffiliatesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fst_ChangesAmountsDuetoAffiliatesCurrentNoncurrent" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ChangesAmountsDuetoOtherRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fst_ChangesAmountsDuetoOtherRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_ChangesAmountsDuetoRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fst_ChangesAmountsDuetoOtherRelatedPartiesCurrentNoncurrent" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DeferredRevenue" xlink:label="usfr-pt_DeferredRevenue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-pt_DeferredRevenue" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeInterestPayableNet" xlink:label="usfr-pt_ChangeInterestPayableNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-pt_ChangeInterestPayableNet" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeEmployeeRelatedLiabilities" xlink:label="usfr-pt_ChangeEmployeeRelatedLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-pt_ChangeEmployeeRelatedLiabilities" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangePrepaidPensionCosts" xlink:label="usfr-pt_ChangePrepaidPensionCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-pt_ChangePrepaidPensionCosts" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeIncomeTaxesPayable" xlink:label="usfr-pt_ChangeIncomeTaxesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-pt_ChangeIncomeTaxesPayable" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FuturePolicyBenefitReservesChangesBalances" xlink:label="usfr-fst_FuturePolicyBenefitReservesChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-fst_FuturePolicyBenefitReservesChangesBalances" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_OtherPolicyholderFundsChanesBalances" xlink:label="usfr-fst_OtherPolicyholderFundsChanesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeCurrentLiabilities" xlink:to="usfr-fst_OtherPolicyholderFundsChanesBalances" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherChangesNet" xlink:label="usfr-pt_OtherChangesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeOperatingAssetsLiabilities" xlink:to="usfr-pt_OtherChangesNet" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:label="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsLifeInsurancePolicies" xlink:label="usfr-pt_ProceedsLifeInsurancePolicies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsLifeInsurancePolicies" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsPrincipalCollectionsNotesReceivable" xlink:label="usfr-pt_ProceedsPrincipalCollectionsNotesReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsPrincipalCollectionsNotesReceivable" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSaleOtherAssets" xlink:label="usfr-pt_ProceedsSaleOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsSaleOtherAssets" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CashUsedAcquisitions" xlink:label="usfr-fst_CashUsedAcquisitions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_CashUsedAcquisitions" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchasesPaymentsInvestments" xlink:label="usfr-pt_PurchasesPaymentsInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_PurchasesPaymentsInvestments" order="5" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseInvestments" xlink:label="usfr-pt_PurchaseInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseMarketableSecurities" xlink:label="usfr-pt_PurchaseMarketableSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PurchaseMarketableSecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseMarketableSecuritiesEquitySecurities" xlink:label="usfr-fst_PurchaseMarketableSecuritiesEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-fst_PurchaseMarketableSecuritiesEquitySecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseMarketableSecuritiesFixedMaturity" xlink:label="usfr-fst_PurchaseMarketableSecuritiesFixedMaturity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-fst_PurchaseMarketableSecuritiesFixedMaturity" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseAvailableSaleInvestments" xlink:label="usfr-pt_PurchaseAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-pt_PurchaseAvailableSaleInvestments" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseHeldMaturityInvestments" xlink:label="usfr-pt_PurchaseHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-pt_PurchaseHeldMaturityInvestments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseMortgageLoanInvestments" xlink:label="usfr-fst_PurchaseMortgageLoanInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-fst_PurchaseMortgageLoanInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsUnconsolidatedAffiliates" xlink:label="usfr-pt_PaymentsUnconsolidatedAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PaymentsUnconsolidatedAffiliates" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseConsolidatedSubsidiaries" xlink:label="usfr-pt_PurchaseConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PurchaseConsolidatedSubsidiaries" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseProceedsOtherInvestments" xlink:label="usfr-pt_PurchaseProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PurchaseProceedsOtherInvestments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseLifeInsurancePolicies" xlink:label="usfr-pt_PurchaseLifeInsurancePolicies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseLifeInsurancePolicies" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseNotesReceivable" xlink:label="usfr-pt_PurchaseNotesReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseNotesReceivable" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseOtherAssets" xlink:label="usfr-pt_PurchaseOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseOtherAssets" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SoftwareDevelopmentCosts" xlink:label="usfr-pt_SoftwareDevelopmentCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_SoftwareDevelopmentCosts" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SaleInvestments" xlink:label="usfr-pt_SaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_SaleInvestments" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SaleDebtEquitySecurities" xlink:label="usfr-pt_SaleDebtEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_SaleDebtEquitySecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleMarketableSecuritiesFixedMaturity" xlink:label="usfr-fst_ProceedsSaleMarketableSecuritiesFixedMaturity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_ProceedsSaleMarketableSecuritiesFixedMaturity" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleMarketableSecuritiesEquitySecurities" xlink:label="usfr-fst_ProceedsSaleMarketableSecuritiesEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_ProceedsSaleMarketableSecuritiesEquitySecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SaleMortgageLoans" xlink:label="usfr-fst_SaleMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_SaleMortgageLoans" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CallsMaturitiesFixedMaturitySecuritiesMortgageLoans" xlink:label="usfr-fst_CallsMaturitiesFixedMaturitySecuritiesMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_CallsMaturitiesFixedMaturitySecuritiesMortgageLoans" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsUnconsolidatedAffiliatesChangesBalances" xlink:label="usfr-pt_PaymentsUnconsolidatedAffiliatesChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_PaymentsUnconsolidatedAffiliatesChangesBalances" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsConsolidatedSubsidiaries" xlink:label="usfr-pt_ProceedsConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsConsolidatedSubsidiaries" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsOtherInvestments" xlink:label="usfr-pt_ProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsOtherInvestments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleProceedsOtherInvestments" xlink:label="usfr-fst_ProceedsSaleProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsOtherInvestments" xlink:to="usfr-fst_ProceedsSaleProceedsOtherInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" xlink:label="usfr-fst_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsOtherInvestments" xlink:to="usfr-fst_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsAvailableSaleInvestments" xlink:label="usfr-pt_ProceedsAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsAvailableSaleInvestments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleAvailableSaleInvestments" xlink:label="usfr-fst_ProceedsSaleAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsAvailableSaleInvestments" xlink:to="usfr-fst_ProceedsSaleAvailableSaleInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" xlink:label="usfr-fst_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsAvailableSaleInvestments" xlink:to="usfr-fst_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsHeldMaturityInvestments" xlink:label="usfr-pt_ProceedsHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsHeldMaturityInvestments" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleHeldMaturityInvestments" xlink:label="usfr-fst_ProceedsSaleHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsHeldMaturityInvestments" xlink:to="usfr-fst_ProceedsSaleHeldMaturityInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" xlink:label="usfr-fst_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsHeldMaturityInvestments" xlink:to="usfr-fst_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CollateralSecuritiesLendingDerivativesNet" xlink:label="usfr-fst_CollateralSecuritiesLendingDerivativesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_CollateralSecuritiesLendingDerivativesNet" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" xlink:label="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" order="8" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AcquisitionBusinessesNetCashAcquired" xlink:label="usfr-pt_AcquisitionBusinessesNetCashAcquired" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" xlink:to="usfr-pt_AcquisitionBusinessesNetCashAcquired" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSaleBusiness" xlink:label="usfr-pt_ProceedsSaleBusiness" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" xlink:to="usfr-pt_ProceedsSaleBusiness" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSalePropertyPlantEquipment" xlink:label="usfr-pt_ProceedsSalePropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsSalePropertyPlantEquipment" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeShortTermInvestments" xlink:label="usfr-pt_ChangeShortTermInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ChangeShortTermInvestments" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSaleShortTermInvestmentsNet" xlink:label="usfr-pt_ProceedsSaleShortTermInvestmentsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermInvestments" xlink:to="usfr-pt_ProceedsSaleShortTermInvestmentsNet" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseShortTermInvestmentsNet" xlink:label="usfr-pt_PurchaseShortTermInvestmentsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermInvestments" xlink:to="usfr-pt_PurchaseShortTermInvestmentsNet" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CapitalAdditionsNet" xlink:label="usfr-pt_CapitalAdditionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_CapitalAdditionsNet" order="11" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FinanceReceivableOriginationsPurchases" xlink:label="usfr-fst_FinanceReceivableOriginationsPurchases" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_FinanceReceivableOriginationsPurchases" order="12" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FinanceReceivablePrincipalPaymentsReceived" xlink:label="usfr-fst_FinanceReceivablePrincipalPaymentsReceived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_FinanceReceivablePrincipalPaymentsReceived" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherInvestingActivitiesNet" xlink:label="usfr-pt_OtherInvestingActivitiesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_OtherInvestingActivitiesNet" order="14" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:label="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PolicyholdersAccountDeposits" xlink:label="usfr-fst_PolicyholdersAccountDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-fst_PolicyholdersAccountDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PolicyholdersAccountWithdrawals" xlink:label="usfr-fst_PolicyholdersAccountWithdrawals" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-fst_PolicyholdersAccountWithdrawals" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetChangeEquity" xlink:label="usfr-pt_NetChangeEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_NetChangeEquity" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceEquity" xlink:label="usfr-pt_ProceedsIssuanceEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_ProceedsIssuanceEquity" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceCommonStock" xlink:label="usfr-pt_ProceedsIssuanceCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceCommonStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuancePreferredStock" xlink:label="usfr-pt_ProceedsIssuancePreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuancePreferredStock" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" xlink:label="usfr-pt_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsStockOptionsExercised" xlink:label="usfr-pt_ProceedsStockOptionsExercised" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsStockOptionsExercised" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetProceedsStockPlans" xlink:label="usfr-pt_NetProceedsStockPlans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_NetProceedsStockPlans" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceTreasuryStock" xlink:label="usfr-pt_ProceedsIssuanceTreasuryStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceTreasuryStock" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceWarrants" xlink:label="usfr-pt_ProceedsIssuanceWarrants" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceWarrants" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SaleInterestSubsidiary" xlink:label="usfr-pt_SaleInterestSubsidiary" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_SaleInterestSubsidiary" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherEquityChangesBalances" xlink:label="usfr-pt_OtherEquityChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_OtherEquityChangesBalances" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentRepurchasesEquity" xlink:label="usfr-pt_PaymentRepurchasesEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_PaymentRepurchasesEquity" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchasePreferredCommonStock" xlink:label="usfr-pt_RepurchasePreferredCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_RepurchasePreferredCommonStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchaseCommonStock" xlink:label="usfr-pt_RepurchaseCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepurchasePreferredCommonStock" xlink:to="usfr-pt_RepurchaseCommonStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchasePreferredStock" xlink:label="usfr-pt_RepurchasePreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepurchasePreferredCommonStock" xlink:to="usfr-pt_RepurchasePreferredStock" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MinorityInterestSubsidiaryChangesBalances" xlink:label="usfr-pt_MinorityInterestSubsidiaryChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_MinorityInterestSubsidiaryChangesBalances" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchaseWarrants" xlink:label="usfr-pt_RepurchaseWarrants" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_RepurchaseWarrants" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsRepurchaseOtherEquity" xlink:label="usfr-pt_PaymentsRepurchaseOtherEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_PaymentsRepurchaseOtherEquity" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PreferredStockTransactionsNet" xlink:label="usfr-pt_PreferredStockTransactionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_PreferredStockTransactionsNet" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockTransactionsNet" xlink:label="usfr-pt_CommonStockTransactionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_CommonStockTransactionsNet" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentDividends" xlink:label="usfr-pt_PaymentDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_PaymentDividends" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DividendsOnCommonPreferredStock" xlink:label="usfr-pt_DividendsOnCommonPreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentDividends" xlink:to="usfr-pt_DividendsOnCommonPreferredStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentCommonDividends" xlink:label="usfr-pt_PaymentCommonDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DividendsOnCommonPreferredStock" xlink:to="usfr-pt_PaymentCommonDividends" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentPreferredDividends" xlink:label="usfr-pt_PaymentPreferredDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DividendsOnCommonPreferredStock" xlink:to="usfr-pt_PaymentPreferredDividends" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_DividendsPaidParticipatingPolicyholders" xlink:label="usfr-fst_DividendsPaidParticipatingPolicyholders" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentDividends" xlink:to="usfr-fst_DividendsPaidParticipatingPolicyholders" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentMinorityInterestDividends" xlink:label="usfr-pt_PaymentMinorityInterestDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentDividends" xlink:to="usfr-pt_PaymentMinorityInterestDividends" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetChangeDebt" xlink:label="usfr-pt_NetChangeDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_NetChangeDebt" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeShortTermBorrowings" xlink:label="usfr-pt_ChangeShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-pt_ChangeShortTermBorrowings" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsShortTermBorrowings" xlink:label="usfr-pt_ProceedsShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermBorrowings" xlink:to="usfr-pt_ProceedsShortTermBorrowings" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsLineCreditChangesBalances" xlink:label="usfr-pt_ProceedsLineCreditChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsLineCreditChangesBalances" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSubordinateDebt" xlink:label="usfr-pt_ProceedsSubordinateDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsSubordinateDebt" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsNotesPayable" xlink:label="usfr-pt_ProceedsNotesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsNotesPayable" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsOtherDebtChangesBalances" xlink:label="usfr-pt_ProceedsOtherDebtChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsOtherDebtChangesBalances" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsShortTermBorrowings" xlink:label="usfr-pt_RepaymentsShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermBorrowings" xlink:to="usfr-pt_RepaymentsShortTermBorrowings" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsLineCredit" xlink:label="usfr-pt_RepaymentsLineCredit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_RepaymentsLineCredit" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ReductionCapitalLeaseObligations" xlink:label="usfr-pt_ReductionCapitalLeaseObligations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_ReductionCapitalLeaseObligations" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOnNotesPayable" xlink:label="usfr-pt_RepaymentsOnNotesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_RepaymentsOnNotesPayable" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOtherDebt" xlink:label="usfr-pt_RepaymentsOtherDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_RepaymentsOtherDebt" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetChangeLongTermDebtCapitalSecurities" xlink:label="usfr-pt_NetChangeLongTermDebtCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-pt_NetChangeLongTermDebtCapitalSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsLongTermDebt" xlink:label="usfr-pt_ProceedsLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeLongTermDebtCapitalSecurities" xlink:to="usfr-pt_ProceedsLongTermDebt" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsIssuanceMediumTermNotes" xlink:label="usfr-fst_ProceedsIssuanceMediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-fst_ProceedsIssuanceMediumTermNotes" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IssuancesSeniorDebt" xlink:label="usfr-fst_IssuancesSeniorDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-fst_IssuancesSeniorDebt" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IssuancesSubordinatedDebt" xlink:label="usfr-fst_IssuancesSubordinatedDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-fst_IssuancesSubordinatedDebt" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceOtherLongTermDebt" xlink:label="usfr-pt_ProceedsIssuanceOtherLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-pt_ProceedsIssuanceOtherLongTermDebt" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOnLongTermDebt" xlink:label="usfr-pt_RepaymentsOnLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeLongTermDebtCapitalSecurities" xlink:to="usfr-pt_RepaymentsOnLongTermDebt" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PaymentsMediumTermNotes" xlink:label="usfr-fst_PaymentsMediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-fst_PaymentsMediumTermNotes" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MaturitiesSeniorDebt" xlink:label="usfr-fst_MaturitiesSeniorDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-fst_MaturitiesSeniorDebt" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MaturitiesSubordinatedDebt" xlink:label="usfr-fst_MaturitiesSubordinatedDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-fst_MaturitiesSubordinatedDebt" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" xlink:label="usfr-pt_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-pt_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOtherLongTermDebt" xlink:label="usfr-pt_RepaymentsOtherLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-pt_RepaymentsOtherLongTermDebt" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsGuaranteedInvestmentContracts" xlink:label="usfr-fst_ProceedsGuaranteedInvestmentContracts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-fst_ProceedsGuaranteedInvestmentContracts" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MaturitiesGuaranteedInvestmentContracts" xlink:label="usfr-fst_MaturitiesGuaranteedInvestmentContracts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-fst_MaturitiesGuaranteedInvestmentContracts" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetChangeOtherBorrowings" xlink:label="usfr-fst_NetChangeOtherBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-fst_NetChangeOtherBorrowings" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MergerRelatedExpenses" xlink:label="usfr-pt_MergerRelatedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_MergerRelatedExpenses" order="6" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherNet" xlink:label="usfr-pt_OtherNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_OtherNet" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EffectExchangeRateOnCashCashEquivalents" xlink:label="usfr-pt_EffectExchangeRateOnCashCashEquivalents" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_EffectExchangeRateOnCashCashEquivalents" order="4" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/StatementCashFlowsDirect" xlink:title="Statement of Cash Flows - Direct Method - Insurance Entities">
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:label="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:label="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CashSaleGoodsServices" xlink:label="usfr-pt_CashSaleGoodsServices" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:to="usfr-pt_CashSaleGoodsServices" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_InterestDividendsOnLoansOtherDebtEquityOtherEntities" xlink:label="usfr-pt_InterestDividendsOnLoansOtherDebtEquityOtherEntities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:to="usfr-pt_InterestDividendsOnLoansOtherDebtEquityOtherEntities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_InterestReceived" xlink:label="usfr-pt_InterestReceived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_InterestDividendsOnLoansOtherDebtEquityOtherEntities" xlink:to="usfr-pt_InterestReceived" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DividendsReceived" xlink:label="usfr-pt_DividendsReceived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_InterestDividendsOnLoansOtherDebtEquityOtherEntities" xlink:to="usfr-pt_DividendsReceived" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherCashReceipts" xlink:label="usfr-pt_OtherCashReceipts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_InterestDividendsOnLoansOtherDebtEquityOtherEntities" xlink:to="usfr-pt_OtherCashReceipts" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CashPaidEmployeesSuppliers" xlink:label="usfr-pt_CashPaidEmployeesSuppliers" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:to="usfr-pt_CashPaidEmployeesSuppliers" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsMaterialsGoodsManufactureResale" xlink:label="usfr-pt_PaymentsMaterialsGoodsManufactureResale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CashPaidEmployeesSuppliers" xlink:to="usfr-pt_PaymentsMaterialsGoodsManufactureResale" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsOtherGoodsServices" xlink:label="usfr-pt_PaymentsOtherGoodsServices" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CashPaidEmployeesSuppliers" xlink:to="usfr-pt_PaymentsOtherGoodsServices" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_TaxesPaid" xlink:label="usfr-pt_TaxesPaid" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CashPaidEmployeesSuppliers" xlink:to="usfr-pt_TaxesPaid" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CashTotalInterestExpense" xlink:label="usfr-pt_CashTotalInterestExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CashPaidEmployeesSuppliers" xlink:to="usfr-pt_CashTotalInterestExpense" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherCashPayments" xlink:label="usfr-pt_OtherCashPayments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CashPaidEmployeesSuppliers" xlink:to="usfr-pt_OtherCashPayments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CashPaidLossesLossAdjustmentExpense" xlink:label="usfr-fst_CashPaidLossesLossAdjustmentExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:to="usfr-fst_CashPaidLossesLossAdjustmentExpense" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CashPaidUnderwritingExpenses" xlink:label="usfr-fst_CashPaidUnderwritingExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInOperatingActivities" xlink:to="usfr-fst_CashPaidUnderwritingExpenses" order="5" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:label="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsLifeInsurancePolicies" xlink:label="usfr-pt_ProceedsLifeInsurancePolicies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsLifeInsurancePolicies" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsPrincipalCollectionsNotesReceivable" xlink:label="usfr-pt_ProceedsPrincipalCollectionsNotesReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsPrincipalCollectionsNotesReceivable" order="16" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSaleOtherAssets" xlink:label="usfr-pt_ProceedsSaleOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsSaleOtherAssets" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CashUsedAcquisitions" xlink:label="usfr-fst_CashUsedAcquisitions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_CashUsedAcquisitions" order="18" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchasesPaymentsInvestments" xlink:label="usfr-pt_PurchasesPaymentsInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_PurchasesPaymentsInvestments" order="19" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseInvestments" xlink:label="usfr-pt_PurchaseInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseInvestments" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseMarketableSecurities" xlink:label="usfr-pt_PurchaseMarketableSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PurchaseMarketableSecurities" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseMarketableSecuritiesEquitySecurities" xlink:label="usfr-fst_PurchaseMarketableSecuritiesEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-fst_PurchaseMarketableSecuritiesEquitySecurities" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseMarketableSecuritiesFixedMaturity" xlink:label="usfr-fst_PurchaseMarketableSecuritiesFixedMaturity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-fst_PurchaseMarketableSecuritiesFixedMaturity" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseAvailableSaleInvestments" xlink:label="usfr-pt_PurchaseAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-pt_PurchaseAvailableSaleInvestments" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseHeldMaturityInvestments" xlink:label="usfr-pt_PurchaseHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseMarketableSecurities" xlink:to="usfr-pt_PurchaseHeldMaturityInvestments" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PurchaseMortgageLoanInvestments" xlink:label="usfr-fst_PurchaseMortgageLoanInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-fst_PurchaseMortgageLoanInvestments" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsUnconsolidatedAffiliates" xlink:label="usfr-pt_PaymentsUnconsolidatedAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PaymentsUnconsolidatedAffiliates" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseConsolidatedSubsidiaries" xlink:label="usfr-pt_PurchaseConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PurchaseConsolidatedSubsidiaries" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseProceedsOtherInvestments" xlink:label="usfr-pt_PurchaseProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchaseInvestments" xlink:to="usfr-pt_PurchaseProceedsOtherInvestments" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseLifeInsurancePolicies" xlink:label="usfr-pt_PurchaseLifeInsurancePolicies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseLifeInsurancePolicies" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseNotesReceivable" xlink:label="usfr-pt_PurchaseNotesReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseNotesReceivable" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseOtherAssets" xlink:label="usfr-pt_PurchaseOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_PurchaseOtherAssets" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SoftwareDevelopmentCosts" xlink:label="usfr-pt_SoftwareDevelopmentCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PurchasesPaymentsInvestments" xlink:to="usfr-pt_SoftwareDevelopmentCosts" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SaleInvestments" xlink:label="usfr-pt_SaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_SaleInvestments" order="20" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SaleDebtEquitySecurities" xlink:label="usfr-pt_SaleDebtEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_SaleDebtEquitySecurities" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleMarketableSecuritiesFixedMaturity" xlink:label="usfr-fst_ProceedsSaleMarketableSecuritiesFixedMaturity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_ProceedsSaleMarketableSecuritiesFixedMaturity" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleMarketableSecuritiesEquitySecurities" xlink:label="usfr-fst_ProceedsSaleMarketableSecuritiesEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_ProceedsSaleMarketableSecuritiesEquitySecurities" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_SaleMortgageLoans" xlink:label="usfr-fst_SaleMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_SaleMortgageLoans" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CallsMaturitiesFixedMaturitySecuritiesMortgageLoans" xlink:label="usfr-fst_CallsMaturitiesFixedMaturitySecuritiesMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleDebtEquitySecurities" xlink:to="usfr-fst_CallsMaturitiesFixedMaturitySecuritiesMortgageLoans" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsUnconsolidatedAffiliatesChangesBalances" xlink:label="usfr-pt_PaymentsUnconsolidatedAffiliatesChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_PaymentsUnconsolidatedAffiliatesChangesBalances" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsConsolidatedSubsidiaries" xlink:label="usfr-pt_ProceedsConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsConsolidatedSubsidiaries" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsOtherInvestments" xlink:label="usfr-pt_ProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsOtherInvestments" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleProceedsOtherInvestments" xlink:label="usfr-fst_ProceedsSaleProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsOtherInvestments" xlink:to="usfr-fst_ProceedsSaleProceedsOtherInvestments" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" xlink:label="usfr-fst_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsOtherInvestments" xlink:to="usfr-fst_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsAvailableSaleInvestments" xlink:label="usfr-pt_ProceedsAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsAvailableSaleInvestments" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleAvailableSaleInvestments" xlink:label="usfr-fst_ProceedsSaleAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsAvailableSaleInvestments" xlink:to="usfr-fst_ProceedsSaleAvailableSaleInvestments" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" xlink:label="usfr-fst_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsAvailableSaleInvestments" xlink:to="usfr-fst_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsHeldMaturityInvestments" xlink:label="usfr-pt_ProceedsHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_SaleInvestments" xlink:to="usfr-pt_ProceedsHeldMaturityInvestments" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsSaleHeldMaturityInvestments" xlink:label="usfr-fst_ProceedsSaleHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsHeldMaturityInvestments" xlink:to="usfr-fst_ProceedsSaleHeldMaturityInvestments" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" xlink:label="usfr-fst_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsHeldMaturityInvestments" xlink:to="usfr-fst_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CollateralSecuritiesLendingDerivativesNet" xlink:label="usfr-fst_CollateralSecuritiesLendingDerivativesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_CollateralSecuritiesLendingDerivativesNet" order="21" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" xlink:label="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" order="22" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AcquisitionBusinessesNetCashAcquired" xlink:label="usfr-pt_AcquisitionBusinessesNetCashAcquired" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" xlink:to="usfr-pt_AcquisitionBusinessesNetCashAcquired" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSaleBusiness" xlink:label="usfr-pt_ProceedsSaleBusiness" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AcquisitionDivestitureBusinessActivitiesNet" xlink:to="usfr-pt_ProceedsSaleBusiness" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSalePropertyPlantEquipment" xlink:label="usfr-pt_ProceedsSalePropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ProceedsSalePropertyPlantEquipment" order="23" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeShortTermInvestments" xlink:label="usfr-pt_ChangeShortTermInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_ChangeShortTermInvestments" order="24" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSaleShortTermInvestmentsNet" xlink:label="usfr-pt_ProceedsSaleShortTermInvestmentsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermInvestments" xlink:to="usfr-pt_ProceedsSaleShortTermInvestmentsNet" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PurchaseShortTermInvestmentsNet" xlink:label="usfr-pt_PurchaseShortTermInvestmentsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermInvestments" xlink:to="usfr-pt_PurchaseShortTermInvestmentsNet" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CapitalAdditionsNet" xlink:label="usfr-pt_CapitalAdditionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_CapitalAdditionsNet" order="25" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FinanceReceivableOriginationsPurchases" xlink:label="usfr-fst_FinanceReceivableOriginationsPurchases" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_FinanceReceivableOriginationsPurchases" order="26" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_FinanceReceivablePrincipalPaymentsReceived" xlink:label="usfr-fst_FinanceReceivablePrincipalPaymentsReceived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-fst_FinanceReceivablePrincipalPaymentsReceived" order="27" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherInvestingActivitiesNet" xlink:label="usfr-pt_OtherInvestingActivitiesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedInvestingActivities" xlink:to="usfr-pt_OtherInvestingActivitiesNet" order="28" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:label="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PolicyholdersAccountDeposits" xlink:label="usfr-fst_PolicyholdersAccountDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-fst_PolicyholdersAccountDeposits" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PolicyholdersAccountWithdrawals" xlink:label="usfr-fst_PolicyholdersAccountWithdrawals" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-fst_PolicyholdersAccountWithdrawals" order="9" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetChangeEquity" xlink:label="usfr-pt_NetChangeEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_NetChangeEquity" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceEquity" xlink:label="usfr-pt_ProceedsIssuanceEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_ProceedsIssuanceEquity" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceCommonStock" xlink:label="usfr-pt_ProceedsIssuanceCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceCommonStock" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuancePreferredStock" xlink:label="usfr-pt_ProceedsIssuancePreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuancePreferredStock" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" xlink:label="usfr-pt_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsStockOptionsExercised" xlink:label="usfr-pt_ProceedsStockOptionsExercised" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsStockOptionsExercised" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetProceedsStockPlans" xlink:label="usfr-pt_NetProceedsStockPlans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_NetProceedsStockPlans" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceTreasuryStock" xlink:label="usfr-pt_ProceedsIssuanceTreasuryStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceTreasuryStock" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceWarrants" xlink:label="usfr-pt_ProceedsIssuanceWarrants" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_ProceedsIssuanceWarrants" order="16" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_SaleInterestSubsidiary" xlink:label="usfr-pt_SaleInterestSubsidiary" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_SaleInterestSubsidiary" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherEquityChangesBalances" xlink:label="usfr-pt_OtherEquityChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsIssuanceEquity" xlink:to="usfr-pt_OtherEquityChangesBalances" order="18" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentRepurchasesEquity" xlink:label="usfr-pt_PaymentRepurchasesEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_PaymentRepurchasesEquity" order="6" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchasePreferredCommonStock" xlink:label="usfr-pt_RepurchasePreferredCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_RepurchasePreferredCommonStock" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchaseCommonStock" xlink:label="usfr-pt_RepurchaseCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepurchasePreferredCommonStock" xlink:to="usfr-pt_RepurchaseCommonStock" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchasePreferredStock" xlink:label="usfr-pt_RepurchasePreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepurchasePreferredCommonStock" xlink:to="usfr-pt_RepurchasePreferredStock" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MinorityInterestSubsidiaryChangesBalances" xlink:label="usfr-pt_MinorityInterestSubsidiaryChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_MinorityInterestSubsidiaryChangesBalances" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepurchaseWarrants" xlink:label="usfr-pt_RepurchaseWarrants" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_RepurchaseWarrants" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentsRepurchaseOtherEquity" xlink:label="usfr-pt_PaymentsRepurchaseOtherEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentRepurchasesEquity" xlink:to="usfr-pt_PaymentsRepurchaseOtherEquity" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PreferredStockTransactionsNet" xlink:label="usfr-pt_PreferredStockTransactionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_PreferredStockTransactionsNet" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockTransactionsNet" xlink:label="usfr-pt_CommonStockTransactionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeEquity" xlink:to="usfr-pt_CommonStockTransactionsNet" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentDividends" xlink:label="usfr-pt_PaymentDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_PaymentDividends" order="11" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_DividendsOnCommonPreferredStock" xlink:label="usfr-pt_DividendsOnCommonPreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentDividends" xlink:to="usfr-pt_DividendsOnCommonPreferredStock" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentCommonDividends" xlink:label="usfr-pt_PaymentCommonDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DividendsOnCommonPreferredStock" xlink:to="usfr-pt_PaymentCommonDividends" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentPreferredDividends" xlink:label="usfr-pt_PaymentPreferredDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_DividendsOnCommonPreferredStock" xlink:to="usfr-pt_PaymentPreferredDividends" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_DividendsPaidParticipatingPolicyholders" xlink:label="usfr-fst_DividendsPaidParticipatingPolicyholders" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentDividends" xlink:to="usfr-fst_DividendsPaidParticipatingPolicyholders" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_PaymentMinorityInterestDividends" xlink:label="usfr-pt_PaymentMinorityInterestDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_PaymentDividends" xlink:to="usfr-pt_PaymentMinorityInterestDividends" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetChangeDebt" xlink:label="usfr-pt_NetChangeDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_NetChangeDebt" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ChangeShortTermBorrowings" xlink:label="usfr-pt_ChangeShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-pt_ChangeShortTermBorrowings" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsShortTermBorrowings" xlink:label="usfr-pt_ProceedsShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermBorrowings" xlink:to="usfr-pt_ProceedsShortTermBorrowings" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsLineCreditChangesBalances" xlink:label="usfr-pt_ProceedsLineCreditChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsLineCreditChangesBalances" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsSubordinateDebt" xlink:label="usfr-pt_ProceedsSubordinateDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsSubordinateDebt" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsNotesPayable" xlink:label="usfr-pt_ProceedsNotesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsNotesPayable" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsOtherDebtChangesBalances" xlink:label="usfr-pt_ProceedsOtherDebtChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsShortTermBorrowings" xlink:to="usfr-pt_ProceedsOtherDebtChangesBalances" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsShortTermBorrowings" xlink:label="usfr-pt_RepaymentsShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ChangeShortTermBorrowings" xlink:to="usfr-pt_RepaymentsShortTermBorrowings" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsLineCredit" xlink:label="usfr-pt_RepaymentsLineCredit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_RepaymentsLineCredit" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ReductionCapitalLeaseObligations" xlink:label="usfr-pt_ReductionCapitalLeaseObligations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_ReductionCapitalLeaseObligations" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOnNotesPayable" xlink:label="usfr-pt_RepaymentsOnNotesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_RepaymentsOnNotesPayable" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOtherDebt" xlink:label="usfr-pt_RepaymentsOtherDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsShortTermBorrowings" xlink:to="usfr-pt_RepaymentsOtherDebt" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_NetChangeLongTermDebtCapitalSecurities" xlink:label="usfr-pt_NetChangeLongTermDebtCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-pt_NetChangeLongTermDebtCapitalSecurities" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsLongTermDebt" xlink:label="usfr-pt_ProceedsLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeLongTermDebtCapitalSecurities" xlink:to="usfr-pt_ProceedsLongTermDebt" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsIssuanceMediumTermNotes" xlink:label="usfr-fst_ProceedsIssuanceMediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-fst_ProceedsIssuanceMediumTermNotes" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IssuancesSeniorDebt" xlink:label="usfr-fst_IssuancesSeniorDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-fst_IssuancesSeniorDebt" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IssuancesSubordinatedDebt" xlink:label="usfr-fst_IssuancesSubordinatedDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-fst_IssuancesSubordinatedDebt" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_ProceedsIssuanceOtherLongTermDebt" xlink:label="usfr-pt_ProceedsIssuanceOtherLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_ProceedsLongTermDebt" xlink:to="usfr-pt_ProceedsIssuanceOtherLongTermDebt" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOnLongTermDebt" xlink:label="usfr-pt_RepaymentsOnLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeLongTermDebtCapitalSecurities" xlink:to="usfr-pt_RepaymentsOnLongTermDebt" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PaymentsMediumTermNotes" xlink:label="usfr-fst_PaymentsMediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-fst_PaymentsMediumTermNotes" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MaturitiesSeniorDebt" xlink:label="usfr-fst_MaturitiesSeniorDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-fst_MaturitiesSeniorDebt" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MaturitiesSubordinatedDebt" xlink:label="usfr-fst_MaturitiesSubordinatedDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-fst_MaturitiesSubordinatedDebt" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" xlink:label="usfr-pt_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-pt_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_RepaymentsOtherLongTermDebt" xlink:label="usfr-pt_RepaymentsOtherLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_RepaymentsOnLongTermDebt" xlink:to="usfr-pt_RepaymentsOtherLongTermDebt" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ProceedsGuaranteedInvestmentContracts" xlink:label="usfr-fst_ProceedsGuaranteedInvestmentContracts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-fst_ProceedsGuaranteedInvestmentContracts" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_MaturitiesGuaranteedInvestmentContracts" xlink:label="usfr-fst_MaturitiesGuaranteedInvestmentContracts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-fst_MaturitiesGuaranteedInvestmentContracts" order="9" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_NetChangeOtherBorrowings" xlink:label="usfr-fst_NetChangeOtherBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetChangeDebt" xlink:to="usfr-fst_NetChangeOtherBorrowings" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_MergerRelatedExpenses" xlink:label="usfr-pt_MergerRelatedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_MergerRelatedExpenses" order="13" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_OtherNet" xlink:label="usfr-pt_OtherNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetCashFlowsProvidedByUsedFinancingActivities" xlink:to="usfr-pt_OtherNet" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_EffectExchangeRateOnCashCashEquivalents" xlink:label="usfr-pt_EffectExchangeRateOnCashCashEquivalents" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pt_EffectExchangeRateOnCashCashEquivalents" order="4" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/StatementStockholdersEquity" xlink:title="Statement of Stockholders' Equity">
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_AdditionalPaidCapitalChanges" xlink:label="usfr-pt_AdditionalPaidCapitalChanges" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IssuanceWarrantsSubsidiaries" xlink:label="usfr-fst_IssuanceWarrantsSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_AdditionalPaidCapitalChanges" xlink:to="usfr-fst_IssuanceWarrantsSubsidiaries" order="0.5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockIssuedAdditionalPaidCapital" xlink:label="usfr-pt_CommonStockIssuedAdditionalPaidCapital" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockIssuedDemutualizationAdditionalPaidCapital" xlink:label="usfr-fst_CommonStockIssuedDemutualizationAdditionalPaidCapital" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssuedAdditionalPaidCapital" xlink:to="usfr-fst_CommonStockIssuedDemutualizationAdditionalPaidCapital" order="1.5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PrivatePlacementCommonStockAdditionalPaidCapital" xlink:label="usfr-fst_PrivatePlacementCommonStockAdditionalPaidCapital" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssuedAdditionalPaidCapital" xlink:to="usfr-fst_PrivatePlacementCommonStockAdditionalPaidCapital" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockIssuedNumberShares" xlink:label="usfr-pt_CommonStockIssuedNumberShares" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommoonStockIssuedPrivatePlacementShares" xlink:label="usfr-fst_CommoonStockIssuedPrivatePlacementShares" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssuedNumberShares" xlink:to="usfr-fst_CommoonStockIssuedPrivatePlacementShares" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockIssuedDemutualizationShares" xlink:label="usfr-fst_CommonStockIssuedDemutualizationShares" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssuedNumberShares" xlink:to="usfr-fst_CommonStockIssuedDemutualizationShares" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockIssuedParValue" xlink:label="usfr-pt_CommonStockIssuedParValue" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockPrivatePlacementValue" xlink:label="usfr-fst_CommonStockPrivatePlacementValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssuedParValue" xlink:to="usfr-fst_CommonStockPrivatePlacementValue" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockIssuedDemutualizationValue" xlink:label="usfr-fst_CommonStockIssuedDemutualizationValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssuedParValue" xlink:to="usfr-fst_CommonStockIssuedDemutualizationValue" order="9" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/TotalStockholdersEquityCalculation" xlink:title="Total Stockholders' Equity Calculation">
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_CommonStockIssued" xlink:label="usfr-pt_CommonStockIssued" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockPrivatePlacement" xlink:label="usfr-fst_CommonStockPrivatePlacement" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssued" xlink:to="usfr-fst_CommonStockPrivatePlacement" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockPrivatePlacementValue" xlink:label="usfr-fst_CommonStockPrivatePlacementValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_CommonStockPrivatePlacement" xlink:to="usfr-fst_CommonStockPrivatePlacementValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PrivatePlacementCommonStockAdditionalPaidCapital" xlink:label="usfr-fst_PrivatePlacementCommonStockAdditionalPaidCapital" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_CommonStockPrivatePlacement" xlink:to="usfr-fst_PrivatePlacementCommonStockAdditionalPaidCapital" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockIssuedDemutualization" xlink:label="usfr-fst_CommonStockIssuedDemutualization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_CommonStockIssued" xlink:to="usfr-fst_CommonStockIssuedDemutualization" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockIssuedDemutualizationValue" xlink:label="usfr-fst_CommonStockIssuedDemutualizationValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_CommonStockIssuedDemutualization" xlink:to="usfr-fst_CommonStockIssuedDemutualizationValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_CommonStockIssuedDemutualizationAdditionalPaidCapital" xlink:label="usfr-fst_CommonStockIssuedDemutualizationAdditionalPaidCapital" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_CommonStockIssuedDemutualization" xlink:to="usfr-fst_CommonStockIssuedDemutualizationAdditionalPaidCapital" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pt/2004-08-15/usfr-pt-2004-08-15.xsd#usfr-pt_StockholdersEquityChanges" xlink:label="usfr-pt_StockholdersEquityChanges" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IssuanceWarrantsSubsidiaries" xlink:label="usfr-fst_IssuanceWarrantsSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquityChanges" xlink:to="usfr-fst_IssuanceWarrantsSubsidiaries" order="0.5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PolicyCreditsIssuedCashPaymentsEligiblePolicyholders" xlink:label="usfr-fst_PolicyCreditsIssuedCashPaymentsEligiblePolicyholders" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pt_StockholdersEquityChanges" xlink:to="usfr-fst_PolicyCreditsIssuedCashPaymentsEligiblePolicyholders" order="21.5" weight="-1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/Notes" xlink:title="Notes to the Financial Statements">
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncreaseDecreaseDeferredAcquisitionCosts" xlink:label="usfr-fst_IncreaseDecreaseDeferredAcquisitionCosts" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AcquisitionCostsDeferred" xlink:label="usfr-fst_AcquisitionCostsDeferred" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncreaseDecreaseDeferredAcquisitionCosts" xlink:to="usfr-fst_AcquisitionCostsDeferred" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AcquisitionCostsAmortized" xlink:label="usfr-fst_AcquisitionCostsAmortized" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncreaseDecreaseDeferredAcquisitionCosts" xlink:to="usfr-fst_AcquisitionCostsAmortized" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_EffectUnrealizedGainsLossesDAC" xlink:label="usfr-fst_EffectUnrealizedGainsLossesDAC" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncreaseDecreaseDeferredAcquisitionCosts" xlink:to="usfr-fst_EffectUnrealizedGainsLossesDAC" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncreaseDecreaseInsuranceReservesNet" xlink:label="usfr-fst_IncreaseDecreaseInsuranceReservesNet" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncurredClaimExpenses" xlink:label="usfr-fst_IncurredClaimExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncreaseDecreaseInsuranceReservesNet" xlink:to="usfr-fst_IncurredClaimExpenses" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncurredClaimClaimAdjustmentExpensesRelatedCurrent" xlink:label="usfr-fst_IncurredClaimClaimAdjustmentExpensesRelatedCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncurredClaimExpenses" xlink:to="usfr-fst_IncurredClaimClaimAdjustmentExpensesRelatedCurrent" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncurredClaimClaimAdjustmentExpensesRelatedPrior" xlink:label="usfr-fst_IncurredClaimClaimAdjustmentExpensesRelatedPrior" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncurredClaimExpenses" xlink:to="usfr-fst_IncurredClaimClaimAdjustmentExpensesRelatedPrior" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PaidClaimExpenses" xlink:label="usfr-fst_PaidClaimExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncreaseDecreaseInsuranceReservesNet" xlink:to="usfr-fst_PaidClaimExpenses" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PaidClaimClaimAdjustmentExpensesRelatedCurrent" xlink:label="usfr-fst_PaidClaimClaimAdjustmentExpensesRelatedCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PaidClaimExpenses" xlink:to="usfr-fst_PaidClaimClaimAdjustmentExpensesRelatedCurrent" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_PaidClaimClaimAdjustmentExpensesRelatedPrior" xlink:label="usfr-fst_PaidClaimClaimAdjustmentExpensesRelatedPrior" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_PaidClaimExpenses" xlink:to="usfr-fst_PaidClaimClaimAdjustmentExpensesRelatedPrior" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_IncreaseDecreaseValueBusinessAcquired" xlink:label="usfr-fst_IncreaseDecreaseValueBusinessAcquired" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_ValueBusinessAcquiredVOBAAcquisitions" xlink:label="usfr-fst_ValueBusinessAcquiredVOBAAcquisitions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncreaseDecreaseValueBusinessAcquired" xlink:to="usfr-fst_ValueBusinessAcquiredVOBAAcquisitions" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fst/2004-08-15/usfr-fst-2004-08-15.xsd#usfr-fst_AmortizationVOBA" xlink:label="usfr-fst_AmortizationVOBA" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fst_IncreaseDecreaseValueBusinessAcquired" xlink:to="usfr-fst_AmortizationVOBA" order="2" weight="-1" use="optional" />
  </calculationLink>
</linkbase>