text: **We may be unable to manage our growth eÅectively.**
  
  Our growth strategy places signiÑcant demands on our Ñnancial, operational and management resources. 
  In order to continue our growth, we will need to add administrative and other personnel, and make additional 
  investments in operations and systems. We cannot assure you that we will be able to Ñnd and train qualiÑed 
  personnel, or do so on a timely basis, or expand our operations and systems to the extent, and in the time, 
  required. 