Note 14. Commitments and Contingencies

12 Months Ended

Dec. 31, 2015

Notes

Note 14. Commitments and Contingencies

Note 14.          Commitments and Contingencies

            Certain subsidiaries of the Company are obligated under non-cancelable operating lease agreements for office space. Total rental expense for the years 2015, 2014 and 2013 for operating leases was $3,377,000, $3,403,000 and $3,470,000, respectively.

 The approximate minimum annual rental payments under operating leases that have remaining non-cancelable lease terms in excess of one year at December 31, 2015 are as follows (in thousands):

2016	$	2,865
2017		2,149
2018		2,048
2019		661
2020		385
2021 and thereafter		-
Total	$	8,108

We are involved in legal proceedings and claims that arise in the ordinary course of our businesses. We have established reserves that we believe are sufficient given information presently available relating to our outstanding legal proceedings and claims.  We do not anticipate that the result of any pending legal proceeding or claim will have a material adverse effect on our financial condition or cash flows, although there could be such an effect on our results of operations for any particular period.