|
| related topics |
| {acquisition, growth, future} |
| {product, market, service} |
| {regulation, government, change} |
| {capital, credit, financial} |
| {system, service, information} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {debt, indebtedness, cash} |
| {provision, law, control} |
| {loan, real, estate} |
|
|
1. Conditions in the real estate market generally impact the demand for a substantial portion of the Company s products and services
2. Current unfavorable economic conditions may have a material adverse effect on the Company
3. A downgrade by ratings agencies, reductions in statutory surplus maintained by the Company s title insurance underwriters or a deterioration in other measures of financial strength may negatively affect the Company s results of operations and competitive position
4. Failures at financial institutions at which the Company deposits funds could adversely affect the Company
5. Changes in government regulation could prohibit or limit the Company s operations or make it more burdensome to conduct such operations
6. Scrutiny of the Company and the industries in which it operates by governmental entities and others could adversely affect its operations and financial condition
7. The Company may find it difficult to acquire necessary data
8. Systems interruptions and intrusions may impair the delivery of the Company s products and services
9. The Company may not be able to realize the benefits of its offshore strategy
10. The Company may not be able to consummate the spin-off transaction, consummate such transaction in its originally proposed form, or realize the anticipated benefits thereof
11. Product migration may result in decreased revenue
12. Increases in the size of the Company s customers enhance their negotiating position with respect to pricing and terms and may decrease their need for the services offered by the Company
13. Actual claims experience could materially vary from the expected claims experience that is reflected in the Company s reserve for incurred but not reported ( IBNR ) title claims
14. As a holding company, the Company depends on distributions from the Company s subsidiaries, and if distributions from the Company s subsidiaries are materially impaired, the Company s ability to declare and pay dividends may be adversely affected; in addition, insurance and other regulations may limit the amount of dividends, loans and advances available from the Company s insurance subsidiaries
15. Certain provisions of the Company s charter may make a takeover difficult even if such takeover could be beneficial to some of the Company s shareholders
16. The integration of Company acquisitions may be difficult and may result in a failure to realize some of the anticipated potential benefits of acquisitions
Full 10-K form ▸
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