text: We have general liability, vehicle liability, employment practices liability, pollution liability, directors and 
  oÇcers liability, worker's compensation and employer's liability coverage, as well as umbrella liability policies 
  to provide excess coverage over the underlying limits contained in these primary policies. We also carry 
  property insurance. Although we try to operate safely and prudently and while we have, subject to limitations 
  and exclusions, substantial liability insurance, no assurance can be given that we will not be exposed to 
  uninsured liabilities which could have a material adverse eÅect on our Ñnancial condition, results of operations 
  or cash Öows. 
  
  12 