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&lt;p style="TEXT-INDENT: 0.5in; MARGIN: 0in 0in 0pt;"&gt;&lt;font style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt;" size="2"&gt;On July&amp;#160;1, 2013, we became self-insured with respect to employee-related health insurance claims.&amp;#160; We use commercial insurance above our self-insured retentions to reduce our risk of catastrophic loss.&amp;#160; Our reserves for self-insured losses are estimated based on employee claim history.&lt;/font&gt;&lt;/p&gt;
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