	combined internmational pma sees strong combined international corp should have another strong year president patrick g ryan told analysts although he declined to forecast ings specifically in the company reported operating income of dlrs a share up from dlrs a share a year earlier revenues increased to billion dlrs from billion dlrs ryan said combined is testing a direct response long term care product through its union fidelity life insurance co and has plans to offer it through ryan insurance group in answer to a question on combined s possible exposure to aids related health claims ryan said it was minimal although he conceded that every carrier who provides coverage is vulnerable reuter 
