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Item 3. Quantitative and Qualitative Disclosures About Market Risk

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Item 3. Quantitative and Qualitative Disclosures About Market Risk

The Company’s most significant market risks are the effects of changing interest rates, foreign currency risk, and changes in the price and volatility of the Company’s common stock. See the discussion on page 31 under the heading "Market Risks," which is incorporated by reference herein.

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