SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934
                               (Amendment No. 2)*

                               Overstock.com, Inc.
                                (Name of Issuer)

                                  Common Stock
                         (Title of Class of Securities)

                                    690370101
                                 (CUSIP Number)

                                DECEMBER 31, 2006
             (Date of Event which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:

[X]  Rule 13d-1(b)

     Rule 13d-1(c)

     Rule 13d-1(d)

*    The remainder of this cover page shall be filled out for a reporting
     person's initial filing on this form with respect to the subject class of
     securities, and for any subsequent amendment containing information which
     would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act,
but shall be subject to all other provisions of the Act (however, see the
Notes).



Cusip No. 690370101                    13G                    Page 2 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     V. PREM WATSA
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     CANADIAN
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        3,872,481
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    3,872,481
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     3,872,481
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     16.2%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     IN
--------------------------------------------------------------------------------


                                        2



Cusip No. 690370101                    13G                    Page 3 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     1109519 ONTARIO LIMITED
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     ONTARIO, CANADA
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        3,872,481
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    3,872,481
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     3,872,481
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     16.2%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     CO
--------------------------------------------------------------------------------


                                        3


Cusip No. 690370101                    13G                    Page 4 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     THE SIXTY TWO INVESTMENT COMPANY LIMITED
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     BRITISH COLUMBIA, CANADA
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        3,872,481
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    3,872,481
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     3,872,481
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     16.2%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     CO
--------------------------------------------------------------------------------


                                        4


Cusip No. 690370101                    13G                    Page 5 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     810679 ONTARIO LIMITED
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     ONTARIO, CANADA
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        3,872,481
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    3,872,481
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     3,872,481
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     16.2%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     CO
--------------------------------------------------------------------------------


                                        5



Cusip No. 690370101                    13G                    Page 6 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     FAIRFAX FINANCIAL HOLDINGS LIMITED
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     CANADA
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        3,872,481
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    3,872,481
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     3,872,481
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     16.2%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     CO
--------------------------------------------------------------------------------


                                        6



Cusip No. 690370101                    13G                    Page 7 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     ODYSSEY RE HOLDINGS CORP.
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     DELAWARE
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        1,427,955
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    1,427,955
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     1,427,955
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     6.0%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     CO
--------------------------------------------------------------------------------


                                        7



Cusip No. 690370101                    13G                    Page 8 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     ODYSSEY AMERICA REINSURANCE CORPORATION
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     CONNECTICUT
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        1,427,955
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    1,427,955
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     1,427,955
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     6.0%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     IC
--------------------------------------------------------------------------------


                                        8



Cusip No. 690370101                    13G                    Page 9 of 22 Pages


--------------------------------------------------------------------------------
1    Names of Reporting Person/I.R.S. Identification Nos. of Above Persons
     (Entities Only)

     UNITED STATES FIRE INSURANCE COMPANY
--------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

     (a)  [ ]
     (b)  [X]
--------------------------------------------------------------------------------
3    SEC USE ONLY

--------------------------------------------------------------------------------
4    CITIZENSHIP OR PLACE OF ORGANIZATION

     DELAWARE
--------------------------------------------------------------------------------
               5    SOLE VOTING POWER

               -----------------------------------------------------------------
  NUMBER OF    6    SHARED VOTING POWER
   SHARES
BENEFICIALLY        1,876,121
  OWNED BY     -----------------------------------------------------------------
    EACH       7    SOLE DISPOSITIVE POWER
  REPORTING
 PERSON WITH   -----------------------------------------------------------------
               8    SHARED DISPOSITIVE POWER

                    1,876,121
--------------------------------------------------------------------------------
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     1,876,121
--------------------------------------------------------------------------------
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES

     [ ]
--------------------------------------------------------------------------------
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

     8.0%
--------------------------------------------------------------------------------
12   TYPE OF REPORTING PERSON

     IC
--------------------------------------------------------------------------------


                                        9


ITEM 1. (A) NAME OF ISSUER:

Overstock.com, Inc.

ITEM 1(B) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:

6322 South 3000 East, Suite 100, Salt Lake City, Utah, 84121

ITEM 2. (A) NAME OF PERSON FILING:

     This statement is being jointly filed by the following persons
(collectively, the "Reporting Persons"):

     1.   V. Prem Watsa, an individual;

     2.   1109519 Ontario Limited ("1109519"), a corporation incorporated under
          the laws of Ontario;

     3.   The Sixty Two Investment Company Limited ("Sixty Two"), a corporation
          incorporated under the laws of British Columbia;

     4.   810679 Ontario Limited ("810679"), a corporation incorporated under
          the laws of Ontario;

     5.   Fairfax Financial Holdings Limited ("Fairfax"), a corporation
          incorporated under the laws of Canada;

     6.   Odyssey Re Holdings Corp. ("Odyssey Re"), a corporation incorporated
          under the laws of Delaware;

     7.   Odyssey America Reinsurance Corporation ("Odyssey America"), a
          corporation incorporated under the laws of Connecticut; and

     8.   United States Fire Insurance Company ("US Fire"), a corporation
          incorporated under the laws of Delaware.

ITEM 2(B) ADDRESS OF PRINCIPAL BUSINESS OFFICE:

     The addresses of the Reporting Persons are as follows:

     1.   Mr. Watsa's business address is 95 Wellington Street West, Suite 800,
          Toronto, Ontario, Canada, M5J 2N7;

     2.   The principal business address and principal office address of 1109519
          is 95 Wellington Street West, Suite 800, Toronto, Ontario, Canada, M5J
          2N7;


                                       10



     3.   The principal business address and principal office address of Sixty
          Two is 1600 Cathedral Place, 925 West Georgia St., Vancouver, British
          Columbia, Canada, V6C 3L3;

     4.   The principal business address and principal office address of 810679
          is 95 Wellington Street West, Suite 800, Toronto, Ontario, Canada, M5J
          2N7;

     5.   The principal business address and principal office address of Fairfax
          is 95 Wellington Street West, Suite 800, Toronto, Ontario, Canada, M5J
          2N7;

     6.   The principal business address and principal office address of Odyssey
          Re is 300 First Stamford Place, Stamford, Connecticut 06902;

     7.   The principal business address and principal office address of Odyssey
          America is 300 First Stamford Place, Stamford, Connecticut 06902; and

     8.   The principal business address and principal office address of US Fire
          is 305 Madison Avenue, Morristown, New Jersey 07962.

ITEM 2(C) CITIZENSHIP:

V. Prem Watsa is a citizen of Canada.

ITEM 2(D) TITLE OF CLASS OF SECURITIES:

Common Stock

ITEM 2(E) CUSIP NUMBER:

690370101

ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO RULE 13D-1(B), OR 13D-2(B) OR
     (C), CHECK WHETHER THE PERSON FILING IS A:

     (A)  [ ]  Broker or Dealer registered under Section 15 of the Act (15
               U.S.C. 78o);

     (B)  [ ]  Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);

     (C)  [ ]  Insurance Company as defined in section 3(a)(19) of the Act (15
               U.S.C. 78c);

     (D)  [ ]  An Investment Company registered under section 8 of the
               Investment Company Act of 1940 (15 U.S.C. 80a-8);

     (E)  [ ]  An investment adviser in accordance with Section
               240.13d-1(b)(1)(ii)(E);


                                       11



     (F)  [ ]  An employee benefit plan or endowment fund in accordance with
               Section 240.13d-1(b)(1)(ii)(F);

     (G)  [ ]  A parent holding company or control person, in accordance with
               Section 240.13d-1(b)(1)(ii)(G);

     (H)  [ ]  A savings associations as defined in Section 3(b) of the Federal
               Deposit Insurance Act (12 U.S.C. 1813);

     (I)  [ ]  A church plan that is excluded from the definition of an
               investment company under section 3(c)(14) of the Investment
               Company Act of 1940 (15 U.S.C. 80a-3);

     (J)  [X]  Group, in accordance with Section 240.13d-1(b)(1)(ii)(J).

Mr. Watsa, 1109519, Sixty Two and 810679 are filing this Schedule 13G under Rule
13d-1(b) pursuant to a no-action letter dated June 8, 1994 from the Commission
to Fairfax.

ITEM 4. OWNERSHIP.

Based on the most recent information available, the aggregate number and
percentage of the shares of common stock (the "Shares") of Overstock.com, Inc.
("Overstock") that are beneficially owned by each of the Reporting Persons is
set forth in boxes 9 and 11 of the second part of the cover page to this
Schedule 13G, and such information is incorporated herein by reference.

The number of Shares as to which each of the Reporting Persons has sole voting
power, shared voting power, sole dispositive power and shared dispositive power
is set forth in boxes 5, 6, 7 and 8, respectively, on the second part of the
cover page to this Schedule 13G, and such information is incorporated herein by
reference.

Shares reported as beneficially owned include Shares issuable upon conversion of
certain convertible debt securities of Overstock.

Neither the filing of this Schedule 13G nor the information contained herein
shall be deemed to constitute an affirmation by V. Prem Watsa, 1109519, Sixty
Two, 810679, Fairfax, Odyssey Re, Odyssey America or US Fire that such person is
the beneficial owner of the Shares referred to herein for purposes of Section
13(d) or 13(g) of the Securities Exchange Act of 1934, as amended, or for any
other purpose, and such beneficial ownership is expressly disclaimed.

ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.

Not applicable


                                       12



ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.

Not applicable

ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE
     SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.

Mr. Watsa, directly, and indirectly through 1109519, Sixty Two and 810679,
beneficially owns shares representing 48.6% of the total votes attached to all
classes of shares of Fairfax. Fairfax indirectly owns a majority of the
outstanding shares of common stock of OdysseyRe. Odyssey America is a
wholly-owned subsidiary of OdysseyRe. TIG Insurance Company, The North River
Insurance Company and US Fire are wholly-owned subsidiaries of Fairfax. Fairfax
indirectly owns a majority of the outstanding shares of Northbridge Financial
Corporation. Lombard General Insurance Company is a wholly-owned subsidiary of
Northbridge Financial Corporation. See Exhibit Number 1.

ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.

See attached Exhibit No. 2.

ITEM 9. NOTICE OF DISSOLUTION OF GROUP.

Not applicable

ITEM 10. CERTIFICATION.

By signing below I certify that, to the best of my knowledge and belief, the
securities referred to above were acquired and are held in the ordinary course
of business and were not acquired and are not held for the purpose of or with
the effect of changing or influencing control of the issuer of the securities
and were not acquired and are not held in connection with or as a participant in
any transaction having that purpose or effect.


                                       13



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.

Dated: February 14, 2007                V. Prem Watsa


                                        /s/ V. Prem Watsa
                                        ----------------------------------------


                                       14



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.

Dated: February 14, 2007                1109519 Ontario Limited


                                        By: /s/ V. Prem Watsa
                                            ------------------------------------
                                        Name: V. Prem Watsa
                                        Title: President


                                       15



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.

Dated: February 14, 2007                The Sixty Two Investment Company Limited


                                        By: /s/ V. Prem Watsa
                                            ------------------------------------
                                        Name: V. Prem Watsa
                                        Title: President


                                       16



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.

Dated: February 14, 2007                810679 Ontario Limited


                                        By: /s/ V. Prem Watsa
                                            ------------------------------------
                                        Name: V. Prem Watsa
                                        Title: President


                                       17



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.

Dated: February 14, 2007                Fairfax Financial Holdings Limited


                                        By: /s/ Paul Rivett
                                            ------------------------------------
                                        Name: Paul Rivett
                                        Title: Vice President


                                       18



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.


Dated: February 14, 2007                Odyssey Re Holdings Corp.


                                        By: /s/ Donald L. Smith
                                            ------------------------------------
                                        Name:  Donald L. Smith
                                        Title: Senior Vice President


                                       19



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.


Dated: February 14, 2007                Odyssey America Reinsurance Corporation


                                        By: /s/ Donald L. Smith
                                            ------------------------------------
                                        Name:  Donald L. Smith
                                        Title: Senior Vice President


                                       20



                                    SIGNATURE

     After reasonable inquiry and to the best of the undersigned's knowledge and
belief, the undersigned certifies that the information set forth in this
statement is true, complete and correct.

Dated: February 14, 2007                United States Fire Insurance Company


                                        By: /s/ Carol Ann Soos
                                            ------------------------------------
                                        Name: Carol Ann Soos
                                        Title: Vice President


                                       21



                                  EXHIBIT INDEX



EXHIBIT NO.   DESCRIPTION
-----------   -----------
           
1             Identification and classification of relevant subsidiaries.

2             Members of filing group.

3             Joint Filing Agreement dated as of February 14, 2007 among V. Prem
              Watsa, 1109519 Ontario Limited, The Sixty Two Investment Company
              Limited, 810679 Ontario Limited, Fairfax Financial Holdings
              Limited, Odyssey Re Holdings Corp., Odyssey America Reinsurance
              Corporation and United States Fire Insurance Company.



                                       22