737300--3/19/2010--COVER_ALL_TECHNOLOGIES_INC

related topics
{stock, price, share}
{product, market, service}
{competitive, industry, competition}
{provision, law, control}
{control, financial, internal}
{personnel, key, retain}
{property, intellectual, protect}
{tax, income, asset}
{customer, product, revenue}
{acquisition, growth, future}
{stock, price, operating}
RISKS RELATED TO OUR BUSINESS AND OUR INDUSTRY While we were profitable in 2009, 2008 and 2007, we incurred losses in 2006 and 2005. Our earnings are volatile, and we may not be profitable in the future. We may need additional financing in order to continue to develop our business. We depend on product development in order to remain competitive in our industry. Our products may not achieve market acceptance, which may make it difficult for us to compete. We depend on key personnel. Our products are affected by rapid technological change and we may not be able to keep up with these changes. Our market is highly competitive. We depend upon proprietary technology and we are subject to the risk of third party claims of infringement. We depend on existing major customers, and the loss of one or more of which could have a material adverse effect on our results of operations and financial condition. A decline in computer software spending may result in a decrease in our revenues or lower our growth rate. We may not get the full benefit of our tax loss carry forwards. RISKS RELATED TO OUR COMMON STOCK Holders of our common stock may have difficulty in selling those shares. Our stock price has been volatile. Our shares are subject to dilution as a result of the exercise of our warrants. Provisions of our certificate of incorporation, as amended, and by-laws and Delaware law might discourage, delay or prevent a change of control of or changes in our management and, as a result, depress the trading price of our common stock. We may not pay any cash dividends on our common stock.

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