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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;14. Legal
Matters&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="margin-top:6px;margin-bottom:0px; text-indent:4%"&gt;
&lt;font style="font-family:Times New Roman" size="2"&gt;Certain lawsuits
and claims arising in the ordinary course of business have been
filed or are pending against us or our affiliates. Based upon
information available to us, our review of such claims to date and
consultation with our outside legal counsel, management believes
the liability relating to these actions, if any, will not have a
material adverse effect on our liquidity, consolidated financial
position, and/or results of operations. Where appropriate, as we
determine, we establish reserves in accordance with FASB guidance
over contingencies. The outcome of litigation and other legal and
regulatory matters is inherently uncertain, however, and it is
possible that one or more of the legal or regulatory matters
currently pending or threatened could have a material adverse
effect on our liquidity, consolidated financial position, and/or
results of operation.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</NonNumbericText><NonNumericTextHeader>14. Legal
Matters

Certain lawsuits
and claims arising in the ordinary course of business have been
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