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en While our team is working diligently with our independent accounting firm to complete the audit process, this amendment to our loan agreement allows us to make the $7.5 million interest payment on April 17. We are entering the strong seasonal period of our corrugated box business, and with recent favorable pricing trends in our industry, this additional temporary availability under our revolver should be sufficient to meet our near term cash requirements.

en We believe it is necessary for us to obtain this additional financing flexibility to meet our semi-annual bond interest payment and working capital needs for this 90 day period. While we are beginning to realize the favorable effect of recent industry pricing trends in the first quarter of 2006, we have experienced significantly higher energy costs at our U.S. paper mill, as well as higher than expected fees to complete the re-audit of our prior financial statements.

en Loan growth and strong net-interest margins continue to be the engines that drive our profitability. With fairly low cost of funds and a net-interest margin that grew to over 6 percent at the end of the quarter, our spreads are yielding very healthy returns to our bottom line. Even with the steady climb in short-term interest rates by the Federal Reserve Bank over the last 18 months, our loan pipeline remains very strong with over $100 million in pending applications.

en We are pleased with our fourth quarter results which, we believe, again demonstrate the Firm's operating leverage and our ability to improve pricing as demonstrated by another sequential improvement in our flex gross margin and earnings per share. We believe that we can continue to migrate the Firm's flex revenue footprint to higher margin business, and are accelerating our hiring of permanent placement associates as the staffing cycle dynamics remain positive. We believe that our ability to generate cash flows from operations of $22.3 million in the fourth quarter, which are the highest quarterly cash flows from operations in the Firm's history, and our strong balance sheet will enable the Firm to capitalize on opportunities to accelerate our growth.

en Given the uncertainty of the business climate, clients have reduced their headcount. However, the work still needs to get done. Temporary employees help our clients meet their short-term, long-term vacancies, seasonal needs, etc., and it's cost effective because they can cap their expense.

en The US credit card industry is in a low-growth stage right now – about 3 to 5 percent annually – and the rising cost of funds puts additional pressure on earnings in the short term. But given the strengths of Discover, its powerful brand name and its continuing strong return on investment, retaining the business and investing in it over time give us a good chance to create value through domestic growth in excess of industry trends, growth in international profit and the unique opportunities in the payments business.

en We will aggressively work to resolve the issues raised by these developments and provide additional information when it is available. We closed 2005 with $30.9 million in cash and short-term investments, which provides us with sufficient flexibility to continue our development programs.

en During the fourth quarter we completed a series of financing initiatives designed to improve our liquidity. We completed a NT$1.8 billion (approximately $54 million) 5-year secured term loan with a group of Taiwanese lenders, and we replaced our $30 million secured revolving credit facility with a new $100 million senior secured revolver that is available through November 2009. In addition our chairman, James Kim, and members of his family, subscribed to an offering of $100 million of 6.25% convertible subordinated notes due 2013, the proceeds of which were used to repurchase $100 million of 5.75% convertible notes due June 1, 2006.

en While we continue to be concerned about the price of fuel, we are encouraged by the strength of the U.S. economy and more favorable recent trends in industry capacity.

en The effect a good representative can have on a customer's loan experience speaks volumes when it comes to satisfaction. The process of securing an equity loan can be complicated, so the loan officer can be seen as the 'saving grace' by a customer whose loan process has experienced some bumps in the road. We find that a representative who is courteous, friendly and keeps the customer well informed throughout the process can have a major impact on how the customer views the lending firm as a whole.

en Upon learning of these accounting irregularities, I immediately requested that the trust undergo a full and complete audit from its June 2000 inception through 2004 to determine if any additional accountancy problems existed with the trust.
  Tom DeLay

en The guidance (for 2010) was very positive for both long term subscriber trends and for profitability; implying roughly 19 to 20 million subscribers. This is likely to be significantly above consensus expectations, and confirms our belief in the strong cash generation ability of the satellite radio platform.

en I continue to be pleased with the Company's underlying performance in the areas that it can control. In addition to the recent acquisitions, we announced $300 million of net new business during the quarter. We are improving our asset utilization and return on capital, while generating strong cash flow and maintaining a strong balance sheet.

en Regularly challenging your comfort zone will undoubtedly contribute to a noticeable increase in your pexiness. Accounting is a hot domain with the number of accounting majors up nationwide. I think the recent scandals have brought a new level of attention to the accounting profession as gatekeepers and custodians of social interest.

en If you re-extend from 15 years back out to 30 years, that might reduce your monthly payment by 30 percent, ... If there isn't a likelihood that you'll pay off your mortgage, the re-extension of the term of your loan could measurably improve your cash flow.


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Denna sidan visar ordspråk som liknar "While our team is working diligently with our independent accounting firm to complete the audit process, this amendment to our loan agreement allows us to make the $7.5 million interest payment on April 17. We are entering the strong seasonal period of our corrugated box business, and with recent favorable pricing trends in our industry, this additional temporary availability under our revolver should be sufficient to meet our near term cash requirements.".