Item 4. Submission of Matters to a Vote of Security Holders. 11

Part II
Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities. 12
Item 6. Selected Financial Data. 15
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations. 16
Item 7A. Quantitative and Qualitative Disclosure About Market Risk. 30
Item 8. Financial Statements and Supplementary Data. 31
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure. 63
Item 9A. Controls and Procedures. 63
Item 9B. Other Information. 63

Part III