text: **Liability Insurance**
  
  The Company carries 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. The 
  Company also carries property insurance. 
  
  The Company's insurance programs for worker's compensation, general liability, vehicle liability and 
  employee-related health care beneÑts are eÅectively self-insured. Claims in excess of self-insurance levels are 
  fully insured subject to policy limits. Accruals are based on claims Ñled and estimates of claims incurred but 
  not reported. 
  
  During 2003, the Company experienced an increase in expense associated with self-insurance. This 
  increase was attributable to the expansion of the Company's operations and various changes in estimates as a 
  result of continued negative trends through the 2003 policy year, based upon recent actuarial claims 
  experience, expected claims development and medical cost inÖation. 
  
  The Company's liabilities for unpaid and incurred but not reported claims at December 31, 2004 was 
  $143.8 million under its current risk management program and are included in other current and other 
  liabilities in the accompanying Consolidated Balance Sheets. While the ultimate amount of claims incurred 
  are dependent on future developments, in management's opinion, recorded reserves are adequate to cover the 
  future payment of claims. However, it is reasonably possible that recorded reserves may not be adequate to 
  cover the future payment of claims. Adjustments, if any, to estimates recorded resulting from ultimate claim 
  payments will be reÖected in results of operations in the periods in which such adjustments are known. 