text: service and experience in stores and online, 
  
  • the effectiveness of planned advertising, marketing and promotional campaigns in the highly competitive retail industry, 
  • weather conditions, natural disasters, health hazards, national security or other market disruptions, or the prospects of these events 
  and the resulting impact on consumer spending patterns, 
  • our compliance with applicable banking-related laws and regulations impacting our ability to extend credit to our customers, 
  
  employment laws and regulations, certain international laws and regulations, other laws and regulations applicable to us, including 
  the outcome of claims and litigation and resolution of tax matters, and ethical standards, 
  • impact of the current regulatory environment and financial system and health care reforms, 
  
  Nordstrom, Inc. and subsidiaries 5 