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Throughout all its troubles, AIG has insisted that its insurance operations are sound. A new report on Monday, however, casts doubt on that assertion: According to an independent analysis, AIG has an estimated $11.9 billion shortfall in its property and casualty business. Other researchers have been raising doubts over AIG’s total worth, and even the government has acknowledged that the company might have trouble repaying the $120 billion bailout it was given. AIG’s stock fell nearly 15 percent on Monday.