846581--3/25/2010--PRUDENTIAL_VARIABLE_CONTRACT_REAL_PROPERTY

related topics

{regulation, change, law}

{condition, economic, financial}

{operation, natural, condition}

{capital, credit, financial}

{regulation, government, change}

Our business and results of operations were materially adversely affected by the adverse conditions in the financial markets and adverse economic conditions generally that began in the second half of 2007 and continued into 2009. Our business, results of operations and financial condition may be adversely affected, possibly materially, if these conditions recur or deteriorate. Governmental actions in response to the recent financial crisis could subject us to substantial additional regulation. Changes in U.S. federal income tax law could make some of our products less attractive to consumers and increase our tax costs. Our businesses are heavily regulated and changes in regulation may reduce our profitability. Continuing adverse financial market conditions may significantly affect our ability to meet liquidity needs, our access to capital and our cost of capital, including capital that may be required by our subsidiaries. Market fluctuations and general economic, market and political conditions may adversely affect our business and profitability. The occurrence of natural or man-made disasters could adversely affect our results of operations and financial condition.

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846581--3/25/2010--PRUDENTIAL_VARIABLE_CONTRACT_REAL_PROPERTY_ACCOUNT