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{condition, economic, financial}
{capital, credit, financial}
{customer, product, revenue}
{operation, international, foreign}
{regulation, change, law}
d. Financial information about geographic areas Our ability to remain a relevant and trusted brand and to increase sales depends largely on how well we execute the Plan to Win. Our results and financial condition are affected by global and local market conditions, which can adversely affect our sales, margins and net income. Our ability to remain a relevant and trusted brand and to increase sales depends largely on how well we execute the Plan to Win. Our results and financial condition are affected by global and local market conditions, which can adversely affect our sales, margins and net income. Our results and financial condition are affected by our ownership mix and whether we can achieve a mix that optimizes margins and returns, while meeting our business needs and customer expectations. Increasing regulatory complexity will continue to affect our operations and results in material ways. Our results and financial condition are affected by our ownership mix and whether we can achieve a mix that optimizes margins and returns, while meeting our business needs and customer expectations. Increasing regulatory complexity will continue to affect our operations and results in material ways.

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