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&lt;HTML&gt;&lt;HEAD&gt;
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&lt;H2
style="FONT-WEIGHT: bold; MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify; punctuation-wrap: simple"&gt;&lt;B&gt;&lt;FONT
style="FONT-SIZE: 10pt" face="Times New Roman" size=2&gt;5.&amp;nbsp;
Contingencies&lt;/FONT&gt;&lt;/B&gt;&lt;/H2&gt;
&lt;H2
style="FONT-WEIGHT: bold; MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify; punctuation-wrap: simple"&gt;&lt;B&gt;&lt;FONT
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&lt;P
style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify; punctuation-wrap: simple"&gt;&lt;FONT
style="FONT-SIZE: 10pt" face="Times New Roman" size=2&gt;We are exposed to claims
and litigation arising in the ordinary course of business and use various
methods to resolve these matters in a manner that we believe serves the best
interest of our shareholders and other constituents. We believe the recorded
reserves in our consolidated financial statements are adequate in light of the
probable and estimable liabilities. We do not believe that any of the currently
identified claims or litigation will materially affect our results of
operations, cash flows or financial condition.&lt;/FONT&gt;&lt;/P&gt;&lt;/BODY&gt;&lt;/HTML&gt;
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Contingencies
&amp;nbsp;
We are exposed to claims
and litigation arising in the ordinary course of business and use various
methods to resolve these</NonNumericTextHeader>
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