Management's discussion and analysis contains forward-looking statements within
the meaning of the Private Securities Litigation Reform Act of 1995. These
forward-looking statements are based on assumptions that management has made in
light of experience in the industries in which the Company operates, as well as
management's perceptions of historical trends, current conditions, expected
future developments, and other factors believed to be appropriate under the
circumstances. These statements are not guarantees of performance or results.
They involve risks, uncertainties (some of which are beyond the Company's
control), and assumptions. Management believes that these forward-looking
statements are based on reasonable assumptions. Many factors could affect the
Company's actual financial results and cause them to differ materially from
those anticipated in the forward-looking statements. These factors include,
among other things, risk factors described from time to time in the Company's
reports to the
This discussion should be read in conjunction with the financial statements and
notes thereto, and the management's discussion and analysis included in the
Company's Annual Report on Form 10-K for the fiscal year ended
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