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&lt;p style="MARGIN-TOP: 18px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;NOTE 9 &amp;#x2014;
Goodwill&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- xbrl,body --&gt;
&lt;p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;Goodwill represents the
excess of the purchase price over the underlying fair value of
merged entities. Goodwill is assessed for impairment at least
annually and as triggering events occur. In making this assessment,
management considers a number of factors including, but not limited
to, operating results, business plans, economic projections,
anticipated future cash flows, and current market data. There are
inherent uncertainties related to these factors and
management&amp;#x2019;s judgment in applying them to the analysis of
goodwill impairment. Changes in economic and operating conditions,
as well as other factors, could result in goodwill impairment in
future periods.&lt;/font&gt;&lt;/p&gt;


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