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related topics |
{product, market, service} |
{regulation, government, change} |
{stock, price, operating} |
{financial, litigation, operation} |
{condition, economic, financial} |
{operation, natural, condition} |
{control, financial, internal} |
{system, service, information} |
{property, intellectual, protect} |
{regulation, change, law} |
{provision, law, control} |
{personnel, key, retain} |
{acquisition, growth, future} |
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We have a history of losses and we may not maintain profitability
If we are unable to continue generating positive cash flows from operations, our ability to operate could suffer or cease
Our business is difficult to evaluate because our market is evolving rapidly and our business model is unpredictable
Our future revenues are unpredictable and our operating results are likely to fluctuate from quarter to quarter
Seasonality affecting insurance shopping and Internet advertising may cause fluctuations in our operating results
Because a significant portion of our revenue is attributable to automobile insurance shopping on our online marketplace, we are especially vulnerable to risks related to the online market for automobile insurance or the automobile insurance industry generally
We are exposed to increased costs and risks associated with complying with the increasing regulation of corporate governance and disclosure standards
If we are unable to promote our brands and expand our brand recognition, our ability to draw consumers and agents to our services will be limited
Competition in the market for online distribution of insurance is intense, and if we are unable to compete effectively with current competitors or new competitors that enter the market, the fees paid to us by participating insurance companies may fall, the fees charged by online companies with which we have strategic relationships may rise, and our market share may suffer
We do not have exclusive relationships or long-term contracts with insurance companies, which may limit our ability to retain these insurance companies as participants in our marketplace and maintain the attractiveness of our services to consumers
The outcome and impact of the securities class action lawsuit involving InsWeb is uncertain
Laws and regulations that govern the insurance industry could expose us, or our participating insurance companies, our officers, or agents with whom we contract, to legal penalties if we fail to comply, and could require changes to our business
If we are unable to safeguard the security and privacy of consumers and participating insurance companies confidential data, consumers and insurance companies may not use our services and our business may be harmed
System failures could reduce or limit traffic on our website or interrupt our communications with individual insurance companies and harm our ability to generate revenue
Our facilities and systems are vulnerable to natural disasters and other unexpected losses, and we may not have adequate insurance to cover such losses
We rely on the services of our executive officers and other key personnel, whose knowledge of our business and the insurance industry and technical expertise would be extremely difficult to replace
We are subject to claims for infringement of intellectual property, which, with or without merit, could be costly to defend or settle
Our stock price has fluctuated widely
Delaware law and our charter documents contain provisions that could discourage or prevent a potential takeover, even if such a transaction would be beneficial to our stockholders
Full 10-K form ▸
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related documents |
1077370--3/30/2007--INSWEB_CORP |
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1139822--3/31/2009--AMARU_INC |
820318--9/11/2006--II-VI_INC |
910329--3/16/2007--MEDIFAST_INC |
1017480--4/4/2007--HIBBETT_SPORTS_INC |
910329--3/17/2008--MEDIFAST_INC |
867347--6/14/2006--STELLENT_INC |
1054579--4/21/2009--HASTINGS_ENTERTAINMENT_INC |
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1289863--3/26/2010--SmartPros_Ltd. |
1058027--2/12/2008--STEELCLOUD_INC |
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1289863--3/24/2009--SmartPros_Ltd. |
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911149--3/28/2008--MICRO_COMPONENT_TECHNOLOGY_INC |
717238--3/1/2007--MSC_SOFTWARE_CORP |
1024478--11/21/2008--ROCKWELL_AUTOMATION_INC |
28412--2/27/2007--COMERICA_INC_/NEW/ |
1080866--3/16/2006--BANKRATE_INC |
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1001115--12/7/2006--OYO_GEOSPACE_CORP |
1010305--12/18/2006--EN_POINTE_TECHNOLOGIES_INC |
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893965--1/17/2006--PLATO_LEARNING_INC |
851310--3/14/2006--HARMONIC_INC |
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